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Self-Insurance Strategy Consulting for Forward-Thinking Organizations

A company might consider self-insuring as a way to take more control over its healthcare spending and tailor benefits to better fit the needs of its team. Instead of paying premiums to an insurance carrier, the company pays for claims directly, often saving money in the long run. Self-insuring also opens the door to more transparency and flexibility, allowing leadership to make smarter decisions based on real data. For businesses with a stable workforce and solid financial footing, self-insuring can be a thoughtful, strategic move that supports both the bottom line and employee well-being.

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Explore Alternative Risk Solutions

  • What is Self-Insurance?

    Self-insurance allows an organization to retain a portion of the risk and pay claims directly, rather than transferring risk to a traditional insurer. Common areas include health benefits, workers' comp, and property liability.

  • Benefits & Risks of Going Self-Insured

    Pros include lower long-term costs, claim control, and cash flow flexibility. Cons include upfront risk, regulatory compliance, and the need for strategic oversight.

  • Captive Insurance Solutions

    Greater flexibility in plan design plus the opportunity to share risk with like-minded businesses while potentially earning back unused premiums.



  • Group Purchasing & Risk Pools

    Organizations can join or form consortiums to reduce premiums and increase negotiating power. We help structure and evaluate pooled-risk opportunities.


Is Self-Insurance Right for Your Organization?

01

You’re paying high premiums with minimal claims each year

02

You need more flexibility to design or manage benefit and liability programs

03

Your organization has predictable risk patterns and strong cash reserves

04

You want to explore captives, pooling, or other alternatives to the traditional market

Self-Insuring Can Add to Your Bottom Line

We begin every engagement with an actuarial and financial review tailored to your operations. We don’t just model the cost of self-insurance—we align recommendations with your financial tolerance, risk appetite, and strategic goals.



Whether you're considering a high-deductible structure or forming a risk retention group, we help you understand the compliance, tax, and risk management requirements that come with greater insurance independence.