Often times risk financing requires the need to evaluate structures and options taking into account specifics of the organization including cash flow, equity, and earnings per share.
Every client is unique and as a result no one model works for all businesses. Tom has developed during his twenty-six years (26) various risk financing reports and models including the following:
Client
- Structural cost/benefit analysis
- Total cost of risk calculations
- Key risk indicators and financial benchmarks by risk
- Retrospective cost model
- Ultimate Cost – After tax NPV Model at 5 years and 10 years
- Option analysis
- Early close out model analysis
- Loss forecast model – risk retention and risk transfer
- Collateral deductible analysis
- Outstanding reserve analysis
- Financial risk quantification
- Individual risk quantification
- Feasibility studies – self insurance, captive insurance, risk retention group
- Probable maximum loss (PML)
- Maximum foreseeable loss
- Premium and cost allocation models
Claims
- Open claims count indicator
- Closed claims count indicator
- Ultimate claim count
- Claim forecast by total, type, and location
- Year over year
- Claim cost by type
- True claim cost by year – including managed care savings
- Expense handling analysis
- Claim stratification model by loss layer
- Annual claim frequency and severity analysis
Consultative
- Captive insurance pro forma package
- Monthly cash flow and income statement
- Captive insurance organizational return on ownership
- Enterprise risk and governance tools
- Program retention cost benefit analysis
- Domicile cost analysis
- Domicile relocation analysis
- Worst case event modeling