Secure Risk Retention

The Secure Model

A disciplined architecture for risk.

The Secure Model brings exposure, coverage, capital and governance into one considered framework—without assuming that every risk should be retained or every organization should form a captive.

A different starting point

Transfer what should be transferred. Study what may be retained.

Conventional coverage can remain foundational. A structured review examines where it works, where gaps may exist, and whether qualified alternative mechanisms deserve consideration.

Exposure first

Map known, emerging and potentially uninsured exposures before considering a structure.

Economics second

Evaluate premium flow, loss history, volatility, capitalization and administrative requirements.

Governance always

Use qualified underwriting, actuarial, legal, tax, insurance and regulatory professionals as appropriate.

Six-step framework

From exposure to resilience.

  1. 01 · DISCOVERY

    Identify

    Understand exposures, priorities and the operating context.

  2. 02 · DESIGN

    Structure

    Determine appropriate conventional, captive or risk-retention mechanisms.

  3. 03 · COVERAGE

    Protect

    Establish coverage and reserves around carefully defined risks.

  4. 04 · PARTICIPATION

    Retain

    Keep appropriate risk economics aligned with participating interests.

  5. 05 · OVERSIGHT

    Manage

    Apply professional underwriting, governance and capital oversight.

  6. 06 · CONTINUITY

    Build

    Create a more resilient long-term financial structure.

Secure Risk Retention

Suitability

A strategy is only as strong as its fit.

Potential structures require a fact-specific review of risk profile, scale, loss experience, available capital, operational capacity, domicile and regulatory environment.

A captive or risk-retention program may not be appropriate. The purpose of the model is to create clarity before commitment.

Begin a private review

Private risk review

Start with the risk.

Qualified organizations can request a private, exploratory review of current exposures, priorities and potential structural pathways.

Request a Private Risk Review