Knowledge, responsiveness, creativity, cost-effectiveness.

Rose & Kiernan’s team of alternative market specialists deliver unique expertise to business.

Many companies are willing to assume and fund a portion of their own risk. R&K develops customized insurance programs in a variety of alternative risk transfer and financing mechanisms to meet each client’s individual needs.

With exceptionally broad domestic and international market access and years of experience in underwriting, constructing and placing alternative market solutions, our risk management practice professionals work in concert with our clients and insurance carriers to optimize client retentions while lowering the total cost of risk. Our knowledge, responsiveness, creativity, and drive contribute the necessary leverage to affect the cost-effective outcomes our risk management customers count on.

R&K’s industry veterans have been providing alternative risk solutions for over 40 years with some of the most creative and innovative insurance and reinsurance markets in the industry.


  • Retention & Custom Dividend Plans
  • Incurred & Paid Loss Retrospective Plans
  • Large Deductibles
  • Self Insured Retentions
  • Captives & Rent-A-Captive
  • Bonding for Qualified Self Insureds
  • Risk Retention & Safety Groups
  • Loss Cap & Transfer Products


  • Actuarial Modeling
  • Loss Forecasting
  • Claim Reserve Reviews & Analysis
  • Collateral & Securitization Reviews
  • Client Retention Level Analysis & Modeling
  • Premium Rate & Policy Limit Benchmarking
  • Cash-Flow Analysis & Modeling
  • Custom Program Design