Retention & Collateral Analysis
Retention and collateral analysis re-tests the levels an organization set at a program's inception against its current loss experience and exposure. It’s ideal for organizations whose retention or collateral hasn't been reviewed since the program was first structured.
Why It Matters
Misalignment that stays invisible until it isn't
Retention and collateral levels set at a program's inception rarely get re-tested, so as loss experience and exposure change, those levels quietly drift out of alignment with actual risk that often isn't visible until a gap analysis or a bad loss year forces the question.
HUB's Approach
A specific recommendation, backed by current evidence
HUB's retention and collateral analysis re-tests an organization's current levels against its actual loss experience and exposure, using loss forecasting output and gap analysis findings as the specific evidence behind the review rather than a generic satisfaction check. The analysis produces a specific recommendation, not just a general observation that levels might need attention.
Because collateral in particular ties up an organization's capital — often posted as cash, letters of credit or surety bonds against a loss-sensitive program — HUB evaluates whether current collateral levels reflect actual risk or simply carry forward a figure set years earlier. Where a gap exists, HUB works directly with the carrier or program administrator on adjusting the requirement.
Insights for Your Business
Retention collateral insight and research
