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

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

There are, however, some pitfalls to the ART world that mightnot be apparent on first blush and that may cause problems overtime.

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