Alternative Risk Transfer

In an increasingly volatile risk landscape, traditional insurance markets can’t always keep pace with the strategic needs of modern businesses. Whether you're responding to systemic risk, emerging exposures, or constrained capacity, Alternative Risk Transfer (ART) offers flexible, capital-efficient ways to manage risk.

At Price Forbes, we help brokers and clients unlock bespoke ART solutions that create resilience, improve capital efficiency, and fill gaps left by the conventional market. 

Alternative Risk Transfer solution coverage


Our ART solutions are designed to meet the needs of clients with complex, large-scale or unconventional risks. We advise and place across:

  • Parametric Solutions – Trigger-based cover tied to measurable indices (e.g. weather, pandemic, CAT events)
  • Structured Insurance – Multi-year or blended arrangements combining retention, limits, and premium efficiency
  • Captive De-Risking – Solutions to ring-fence or exit captive positions; reinsurance, loss portfolio transfers, or novations
  • Portfolio Solutions – Risk transfer or capital optimisation for multi-risk or book-level exposures
  • Credit & Collateral Solutions – Customised support for counterparty, credit enhancement, and contingent capital needs
  • Asset & Capital Solutions – Bridging insurance and capital markets to improve liquidity, creditworthiness or regulatory outcomes


We work at the intersection of broking, actuarial, and capital advisory to design structures that align with your broader business and financial objectives.

Industries we support with Alternative Risk Transfer solutions


ART solutions are often deployed across industries facing aggregation, scale, or non-traditional risk challenges, including:


• Financial Services
• Energy, Power & Renewables
• Real Estate & Hospitality
• Mining & Metals
• Construction
• Transportation & Logistics
• Public Sector

Alternative Risk Transfer Insurance

Frequently Asked Questions

You should consider ART for systemic risks, multi-year, multi-class certainty, or where retention and capital structuring offer greater efficiency for sophisticated clients who are able to manage their exposures and claims.

Parametric policies pay out based on an objective trigger (e.g. rainfall, wind speed, or market volatility), not traditional loss adjustment. They offer speed, clarity, and liquidity - especially useful for exposures where physical damage isn’t the whole story.

Yes. We design loss portfolio transfers, adverse development covers, and novation structures that release capital or simplify balance sheets - often supporting M&A or business transformation.

While often associated with large risks, ART is increasingly relevant for mid-market clients especially in sectors like real estate, energy, and financial services. We tailor solutions to fit exposure, appetite, and available capital.

We often layer ART solutions alongside traditional cover, creating hybrid programmes that blend conventional capacity with parametric or structured layers. This delivers the best of both worlds: pricing efficiency, strategic flexibility, and balance sheet protection.

Let's Talk

Our insurance experts are always on hand to talk about ways we can join forces to take on the future.

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