Many companies today seek more efficient ways to transfer and finance risks, and risk transfer needs are emerging that require the use of innovative techniques because of the size or complexity of the risk. This trend is the result of several factors including the growing demand for solutions that break the cycle of annual insurance renewals, the emergence of new exposures, and the approach taken by firms to analyze risk on a more comprehensive basis.

Marsh is at the forefront of developing innovative solutions to address these emerging trends. We pioneered the concept of transferring risk through integrated programs that combine multiple insurance coverage, and in some cases financial exposures as well, with aggregate retentions and limits designed to protect a firm's bottom line over many years. These programs expand protection, reduce cost, and simplify administration.

In concert with our securities affiliate, Marsh has significant expertise to address our clients' non-traditional exposures. A leader in accessing both the capital and insurance markets — either separately or in combination, we can arrange coverage for risks that do not lend themselves to conventional solutions. Examples of this expertise include:

• Credit enhancement programs to facilitate the securitization of a wide variety of asset classes;
• Structures to protect against price volatility for non-traded commodities;
• Transfer of large, complex risks, such as asbestos liability or environmental liability; and
• Financial transactions that transfer defined business risks into the capital markets.

Related Information

Protecting Your Organization in a Networked World