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Careful Planning Needed For ART Programs The turn of the insurance marketplace has forced many insurance buyers into the unenviable position of having to choose among the lesser of evils. The evils they face may come in the guise of going bare, paying double- or triple-digit premium increases, or perhaps aligning their fates with an insurance carrier that isnt as financially sound as theyd like.

Many have met the challenge by turning to the alternative risk transfer arenabuying into captives, trying on self-insurance, or, at the least, testing the ART waters by agreeing to share in their risks through various types of cost plus or retrospectively rated programs.

There are, however, some pitfalls to the ART world that might not be apparent on first blush and that may cause problems over time.

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