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The Strategic Value of Insurance: Part One


If treasurers can easily calculate the value of buying insurance versus the cost of holding capital, it opens up a whole new world of informed decision-making when dealing with stakeholders and insurers alike.

Excerpted from Treasury Today | December 2015

When a conversation with a treasurer turns to insurance, looking at it in terms of capital protection might not be the obvious first line of approach. But insuring a loss may be a more appropriate and cost effective means than might at first be obvious.

Where smaller corporates might look to insure as much risk as possible with the lowest deductibles (excess) and highest limits they can afford, for the larger corporates and MNCs, self-funding losses is more feasible. But is this really the most effective use of capital, and how can treasurers find out if they are getting the best value from their insurers?

Read the article in its entirety