Courses
Risk Retention vs. Risk Transfer: The Decision Framework
How Canadian organizations decide which risks to retain and which to transfer — the decision framework, the cost of retention vs. transfer, and when self-insurance makes sense.
Contractual Risk Allocation: Indemnities and Hold Harmless Clauses
How risk is allocated through commercial contracts in Canada — indemnification clauses, hold harmless agreements, limitation of liability provisions, and how to negotiate and draft them effectively.
Insurance as a Risk Transfer Tool: Matching Coverage to Exposure
How to use insurance strategically as part of a Canadian organization's risk transfer program — coverage assessment, program design, the broker relationship, and how to ensure coverage matches actual exposure.
Captive Insurance and Self-Insurance Structures
How captive insurance companies and formal self-insurance programs work for Canadian organizations — when they make sense, how they are structured, the regulatory requirements, and the risks of getting it wrong.
The Risk Financing Program: Design, Optimization, and Total Cost of Risk
A comprehensive treatment of risk financing for Canadian organizations — total cost of risk, program design, optimizing the balance between retention and transfer, and building a program that evolves with the organization.