risk-transfer-on-computer-keyboard- Risk financing is a continuum between total risk transfer on one end of the spectrum and total risk retention on the other end. (Photo: Shutterstock)

Determining an appropriate level of risk transfer or risk retention for an organization can be an arduous exercise.

There are a multitude of risk-financing strategies available to businesses of all sizes, each with their own advantages and disadvantages. From self-insurance programs to risk-sharing with industry peers to programs that allow greater control over claims processing and loss drivers, the strategies vary in complexity and cost.

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