In This Issue
Why Captive Insurance
Live Webinars
Crucial Safety Tip

Alternative Risk Resources
As captive insurance specialists, we have helped companies throughout the United States connect with captives that not only lower costs, but deliver return of both investment income and unused premium in workers compensation, general liability, and automobile coverages.


The Captive Chronicle

The commercial property and casualty market has had two quarters of price increases and tighter underwriting, leading the Council of Insurance Agents and Brokers to admit that "the market has turned." A recent article on the website Property Casualty 360 states that pricing for small, medium and large commercial accounts was up 2.7 percent during the fourth quarter of 2011, and up an average of 4.4 percent during the first quarter of this year.
Insurance costs can be managed.  Consider looking into a captive insurance program - you will be pleasantly surprised by the savings!
Take Your Company's Insurance Costs Captive


Many companies are turning to captive insurance to control theinsurance column ever-changing costs of traditional insurance. A captive insurance company is an independent insurance company owned and operated by its members. The captive insures the risks of its owner/members by covering the predictable losses while transferring away the catastrophic, unpredictable losses.


As captive insurance experts, we have helped companies throughout the United States connect with captives that not only lower costs, but deliver return of both investment income and unused premium. 


Alternative Risk Resources are captive experts, it is all we do. 


Alternative Risk Resources can provide you access to world-class owner-controlled group captive programs with proven financial results.


98% of business that join our captives never seek an alternative.


We offer Captive Insurance Programs for:

  • Property
  • Casualty
  • Health
  • 831(b)

Live Webinars: Learn How to Cut Your Losses


A company's loss performance is a determining factor of how much money it pays in premiums, especially with captive insurance. To help companies improve their loss performance so that they can lower their insurance costs, Alternative Risk Resources is offering a series of Free Live Safety Webinars conducted by experts in the field, or risk control professionals from Gallagher Bassett


The webinars are offered at 10 am and 2pm, CST, the third Tuesday of each month. Each presentation is limited to no more than 50 minutes, including time for a Question & Answer session. In addition, a copy of the presentation and a link to a recording of one of the sessions is sent to all registrants. 


Registration is required, so if you have questions or would like to attend, please email or contact Beth Wosick at 262-754-9100 x103 at your earliest convenience.

Following is a list of our webinar dates and topics:

* 17-Jul          Behavior Based Safety Basics
* 21-Aug        Slip/Fall Prevention
* 18-Sep        Use of Social Media in Risk Control
* 16-Oct         Back Injury Prevention Best Practices
* 20-Nov        Transitional Duty/Return-to-Work Best Practices
* 18-Dec        Safety Accountability Ideas

Safety Culture  


This is the popular corporate safety pursuit today and this evolved over the years from the promotion of "Behavior Based Safety" programs.  To provide an overview in a few words, changing employee's attitudes toward safety requires a lot of demonstration of sincerity and this starts with those at the top of the organization's corporate ladder.      

Every corporation has their own personality: Candidly, some place a higher degree of priority on safety than do others.  This has come about by experience and knowledge.  There are companies that have experienced a devastating loss changing their perspective on the priority and others have taken a close look at the savings generated by a good safety record, at times after suffering through years of excessive and unnecessary accident costs.  And there's personal attitude.  Some simply are more cautious by nature, or take fewer uncalculated risks than others, and this can extend to a higher concern for safety compliance.   

There are many reasons for elevating the safety priority and this encompasses the ability to sustain it.  It has to be important enough to truly fertilize a safety culture that influences employee attitudes because there is no finish line with this pursuit.  Of course, the welfare of employees has no limits on importance; but there's the financial assessment of what can be done aside from what must be done.  

Finally, any organization that is seeking to build a safety culture must have a sound safety program in place, obtaining at least, marginally good safety performance.  Safety compliance should be well established.  For example, if required compliance safety training isn't occurring as it should, this will undermine efforts to change employee's safety attitudes and behaviors.  

Safety specialists can assist with developing a course for safety culture and there are canned programs available for purchase that lays out the road map.  Before taking these steps, conduct a quality assessment of the organization's personality.

by Ron Humphreys, Safety Professional  

For more information on Alternative Risk Resources, please visit our website or contact us.

We'd be happy to meet with you and discuss your options.


Alternative Risk Resources                                Alternative Risk Resources

12660 W. North Avenue                                      3310 University Avenue - Suite 210

Brookfield, WI 53005                                          Madison, WI 53705

262-754-9100diamond                                                       608-442-1822

As one of the top captive brokers in the country, Alternative Risk Resources can provide you access to World Class owner controlled group captive programs with proven financial results.

Newsletter developed by Solutions for Growth