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Our Program Design Approach

Program design relates specifically to the insurance structure. Our approach to program design starts with exposure identification and ends with risk transfer, using a combination of non-insurance and insurance techniques. We use a proprietary tool to identify coverage gaps.

The decision as to whether to retain or transfer loss is described by the matrix below. The definition of severity varies by organization. Risk capacity is largely determined by an organization’s capital reserves and risk tolerance (loss variability).

Porter & Curtis will discuss in-depth the extent of a client’s capability to take on risk to determine the optimal program design and structure for the organization. Together we will look at risk retention, transfer, and mitigation along with the coverages and limits you require in each of the product lines in order to safeguard your operation and protect you, your employees, clients, and assets.