Self Insurance

Explore and implement alternative risk transfer, including aggregate deductibles, discretionary mutuals and captive insurers to improve your control and management of risk, as well as your financial flexibility.

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Common self insurance strategies

Aggregate deductibles and excess of loss policies

Discretionary mutual trusts

Captive insurers or captive cell arrangements

Our Experience and Capability

For over 20 years, Gow-Gates has established a variety of self-insurance structures for its clients, including the structuring and management of the first managed aggregate deductible fund, large discretionary mutual trusts and captive insurers.

Self Insurance Advice and Analysis

We review your risk and identify innovative strategies for alternative risk transfer

Workers Compensation Self Insurers

Our self insurance capability includes experience in structuring and managing workers compensation self-insurance programs.

Aggregate Deductibles

Gow-Gates was the first to structure an aggregate deductible fund in the Australian market.

Discretionary Mutuals

Our teams have unlocked significant value for our clients and their mutual members by launching and managing discretionary mutuals for self insurance

Captive Insurers and Captive Cells

Experience and capability in undertaking feasibility analysis and implementing captive insurers or cell captive arrangements

Software for Managing Self Insurance

We have developed leading software for managing incidents, claims, underwriting, reporting and payments

Case Study

Scenario: In 2019, Gow-Gates provided a leading Australian service company with a review of its risk management and risk transfer arrangements. After considering their goals and arranging actuarial and legal feasibility analysis, Gow-Gates recommended that they adopt a Discretionary Mutual as an alternative structure that allowed the mutual to retain a higher level of risk and distribute the benefits from risk management activities to its Members.

Outcome: The Discretionary Mutual arrangement has been highly successful, resulting in one of Australia’s largest Discretionary Mutuals established for risk transfer.

*Disclaimer: The information contained in this case study is used only for the purpose of illustration. Individual circumstances, insurance and coverage may vary.

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