Alternatives to Insurance
When insurance doesn’t cut it, we help you build a better model.
For some risks, traditional insurance just isn’t fit for purpose.
We help organisations design and deliver structures like mutuals, captives, and self-insurance models, giving you more control, stability, and long-term value.
Where we come in
You might be:
- Tired of dealing with insurers who don’t understand your sector
- Struggling to get cover or forced to accept poor terms
- Looking for a solution that rewards good risk management
- Ready to explore a long-term structure that puts you in control
If you’re asking, “Is there a better way to do this?” – we’re the team to help you figure it out.
What we offer
- Strategic scoping and model selection
- Feasibility studies and stakeholder engagement
- Legal and regulatory input (via our connected legal team)
- Governance and operating model design
- Marketing and member communications
- Ongoing support to help your model succeed
What are the alternatives?
There’s no one-size-fits-all approach.
But here’s how the most common models compare:
Mutuals
- Owned and run by members
- Profits reinvested back into the group
- Built for long-term sector resilience
- Ideal for groups with shared values, risks, and goals
Captives
- An insurance company owned by its parent organisation
- Used to underwrite the parent’s own risks
- Suited to larger organisations with consistent risk profiles
- Can reduce reliance on commercial markets and retain underwriting profit
Self-Insurance
- You set aside funds and manage claims directly
- Offers maximum control but also higher responsibility
- Works well for mature businesses with strong risk management practices
- Often a stepping stone to setting up a captive or mutual
We’ll help you explore the pros, cons, and requirements of each, then guide you toward the right structure for your organisation.
Prospect helped us design a model that actually worked for our sector and supported us through every stage.
Who we work with
We support:
- Energy and infrastructure operators
- Sector-led mutual initiatives
- Public-sector working groups
- Member-owned groups and associations
Architects Insurance Scheme
A PI scheme for mid-sized architecture practices
diamond transmission partners
Protecting local community pubs through mutual ownership
Vintners’ Federation of Ireland Insurance Scheme
Protecting local community pubs through mutual ownership
Ocean Energy Accelerator
A Captive which will support tidal energy generators
Not sure where to start?
That’s fine.
You don’t need to commit to a model to begin the conversation.
If you’re serious about risk and curious about alternatives, we’ll help you explore what’s possible.
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