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Complex Risk Practice

Dedicated Resources for Your Unique Risk Profile

Our Complex Risk Practice helps design programs around your unique risk tolerance and approach. Your exposures, risk appetite, and financial strategy may change over time, and our team is ready to evolve with you.

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Strategic Solutions for your Complex Risks

Specialized Services

From analytics and actuarial insight to claims strategy and advanced placement support, we can elevate your insurance solutions.

Coverage You Can Trust

Our comprehensive approach supports all of the coverage you need including property, auto, general liability, workers’ compensation, and specialty lines like executive risk and cyber.

Personalized Solutions

Does your insurance program have large deductibles or retentions, captive utilization, alternative risk strategies, or other unique elements? Our plan is tailored to you.

Meet Clint Gemmill, Holmes Murphy Complex Risk Practice Leader

Advanced Complex Risk Strategies

Supporting complex risks requires expertise beyond the traditional brokerage model, and Holmes Murphy delivers the specialized services you need. We provide advanced loss modeling to help you anticipate exposures before they surface, along with collateral reviews and optimization strategies to ensure you’re deploying capital efficiently. Our benchmarking and analytics capabilities bring clarity to program performance, while our strategic program design aligns the overall structure with your financial goals.

As you grow or shift your operations and financial strategies, your risk profile evolves. That’s why we continuously monitor and refine your program throughout the year with you—not just at renewal. With ongoing analytics, updated forecasting, and strategic advisory support, Holmes Murphy keeps your program aligned with your evolving exposures and risk appetite.

Loss Modeling We dive into loss trends and insights to strategize around potential future losses and guide decisions around risk mitigation and financing.
Collateral Review and Optimization Uncover opportunities related to collateral held by carriers and optimize your potential future collateral requirements.
Benchmarking and Analytics Understand how your program performs compared to peers and where opportunities exist to strengthen efficiency, pricing, and overall results.
Specialized Placement and Program Design Mitigate risk with a program structure tailored to your unique exposures, financial goals, and market needs.

Complex Risk FAQs

What makes a complex insurance program different from a traditional one?

The programs designed by our Complex Risk Practice are custom‑built around your organization’s unique risk tolerance and needs. Our programs are tailored for clients needing large deductibles, retentions or fronted programs, single-parent or group captives, alternative risk structures, or multi‑line integrations that require deeper analytics, specialized actuarial support, dedicated claims expertise, and strategic placement guidance.

What types of insurance lines are typically contemplated within the Complex Risk Practice?

A strategic approach to Complex Risk needs to contemplate multiple lines of coverage to create a cohesive, enterprise‑level approach. These often include property, auto, general liability, and workers’ compensation, along with additional casualty or specialty lines such as executive risk and cyber, ensuring your entire risk portfolio is aligned across one coordinated structure.

What specialized services are included within the Complex Risk Practice?

Complex programs require a higher level of market knowledge as well as familiarity with unique policy provisions.  They also require a greater level of technical support, which may include loss modeling, collateral review and optimization, benchmarking and advanced analytics, specialized placement and program design, and dedicated product-line resources who are experienced and understand the complexities of your structure and industry.

How does my organization’s risk tolerance impact the design of a Complex Risk program?

Your risk tolerance plays a central role in determining the optimal program structure for your organization. The more risk you choose to assume, the more specialized modeling, advisory support, and financial analysis you’ll need to make confident decisions about program structure and long‑term strategy.

The organizations that win are the ones that understand their risk and take control of it. A Complex Risk program gives you that control, allowing you to tailor your structure, align it to your financial strategy, and stay ahead of emerging exposures instead of reacting to them. At Holmes Murphy, our job is to help you navigate complexity with clarity, confidence, and a partner that’s invested in your long‑term success.”

– Clint Gemmill, Complex Risk Practice Leader
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Complex Risk Programs Built for Your Business

Holmes Murphy centers our Complex Risk Practice around what matters most to you—your risk tolerance, operational realities, and long‑term goals. 

Care Beyond Coverage

Complex programs are shaped by your organization’s risk appetite and financial strategy. Whether your structure includes large deductibles, retentions, fronting arrangements, or captives, these programs demand a level of sophistication that goes beyond standard brokerage support. That’s where we come in. 

Supported by Specialized Expertise 

Building programs around complex risks requires specialized resources that understand the technical, financial, and operational nuances involved. At Holmes Murphy, you gain access to dedicated experts across placement, safety, analytics and claims strategy. This team ensures every part of your program—from negotiations coverage on the front end to optimizing claims—is backed by the deep expertise your structure requires. 

Integrated, Multi‑Line Risk Management

Complex Risk spans far more than a single line of coverage. Our approach brings together property, auto, general liability, workers’ compensation, and specialty lines such as executive risk and cyber into one coordinated strategy. This integrated view ensures your entire risk portfolio works together, not in silos—strengthening consistency, efficiency, and control. 

Core Services That Elevate Your Risk Strategy

Holmes Murphy delivers a suite of advanced services essential to designing and managing effective Complex Risk programs, including: 

  • Specialized placement and program design strategy 
  • Dedicated, specialized resources 
  • Advanced analytics and benchmarking 
  • Loss forecasting and modeling 
  • Collateral review and optimization 

Each service is tailored to your unique needs and delivered with precision, insight, and a deep understanding of complex program mechanics and structures. 

Evolving With Your Business 

Complex Risk programs never stay static. As your exposures shift, your operations expand, or your financial priorities change, your program must evolve too. Holmes Murphy provides year‑round advisory support, refreshed analytics, and ongoing program evaluation to ensure your structure stays aligned with your business—today and in the future. 

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