| Alternative Risk Consulting |
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When risk is an alternative |
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Tangram Insurance Services specializes in the development, including complete Feasibility Studies, formation, and management of alternative risk transfer programs, for both groups and single entities.
The alternative risk transfer market or "ART" market, is the result of the efforts by the sophisticated insurance buyer to achieve all or some of the following objectives:
- Lower net costs,
- Obtain broader or more specific coverages, and
- Gain greater control over the risk management and financing process.
Candidates for the ART market and its products are motivated by these objectives AND have the necessary financial strength and desire to assume or retain risk.
Alternative risk options include:
- Group / Policyholder Risk-Assuming Programs
- Group / Broker-Risk Assuming Programs
- Group / Sponsor (Association)-Risk Assuming Programs
- Group / Self-Insurance Programs
- Single Entity Programs
Through a careful analysis of the products available, the risk financing goals of the enterprise and a comparison of the benefits of each, Tangram Insurance Services will assist in matching the right ART option to the risk.
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