Alternative Risk

Alternative markets include high deductibles, self-insurance, risk retention groups and captives.

For business firms that want to gain greater control over their insurance costs, Early, Cassidy & Schilling has developed an alternative risk transfer team which will work with you to create a customized program as an option to purchasing conventional policies. The EC&S team has extensive experience in preparing and evaluating the options available in alternative markets. Once these alternatives were only available for large companies, but with recent changes in regulations, more options are available for a greater number of eligible businesses or associations.

In addition to large deductible and self-insurance plans for your casualty insurance coverages, our team has expertise in forming captive insurers which allow you to share in the investment income from your own loss reserves. As an Assurex Global partner, we also have access to a successful group captive for construction risks which has over $7,000,000 in written premium and is currently projecting a $996,000 dividend to its members. Our partnership gives us access to existing captives that greatly reduce the cost and risk involved. Our team will assist you in determining if your company should consider an alternative to your current program: We will:

  • Complete the evaluation process
  • Assist in locating third-party service providers
  • Negotiate reinsurance contracts
  • Explore and present sample proformas

If your company has a stable claims history, the financial ability to assume some risk and is willing to make a long-term commitment to reducing its losses, this alternative may be worth your consideration.


When you work with Early, Cassidy and Schilling you have experts just a smart phone call or email away! Non-profit and business managers like me, can sleep at night knowing that EC&S has matched our complex programmatic activities with our insurance needs to lower organizational risk and adequately cover any exposures.  If you have insurance questions, they have answers.  If you have claims, they have professional and speedy responses.  They have systems and people that work!  From executive protection to general liability or overseas activity they are your reliable authority on insurance.

Alison Seiler, Director of Administration U.S. Committee for Refugees and Immigrants March 18, 2016