Proportional
Solutions structured around proportional treaty arrangements.
Solutions
Structure with purpose.
Technical solutions for portfolios and organizations seeking clarity, resilience, and a more deliberate approach to risk.
Treaty programs
Structured for Your Portfolio.
We provide solutions for existing treaty programs, combining technical expertise, market relationships, and disciplined placement strategies.
Non-Proportional
Protection structures designed around portfolio volatility and severity.
Stop Loss
Solutions designed to address aggregate loss exposure.
Alternative risk transfer
Beyond Traditional Insurance.
The industry has been transformed by rising costs and reduced capacity. This environment has led many companies to explore alternative strategies to better manage their risks.
ART may provide alternative methods of funding and managing risk rather than relying exclusively on traditional transfer to an insurer.
A considered transition
Traditional Risk Transfer
Alternative Risk Strategy
A properly designed captive or alternative structure may offer greater control over loss funding, encourage stronger risk management and loss control, and potentially create greater stability and efficiency.
These structures are not short-term solutions. They represent a fundamental change in how an organization approaches risk and require commitment, planning, and disciplined execution.
Captive advisory
Take a More Strategic Approach to Risk.
CB&H advises organizations considering captive structures as part of broader risk financing and management strategies.
- 01Assess
- 02Design
- 03Structure
- 04Implement
- 05Optimize
A considered conversation