Captive Insurance Management

Take control of your business risks and insurance costs by forming your own insurance company. A sophisticated alternative risk financing solution for established businesses.

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What is Captive Insurance

Your Own Insurance Company

A captive insurance company is a licensed insurance entity created and owned by one or more organizations to insure their own risks. It’s an alternative to traditional commercial insurance that provides greater control, customization, and potential cost savings.

Alternative Risk Financing

Rather than paying premiums to a third-party insurer, businesses capitalize their own captive and pay premiums to themselves. This creates an opportunity to retain underwriting profits and investment income that would otherwise go to commercial insurers.

Strategic Risk Management

Captives allow businesses to design coverage specifically for their unique risks, implement loss prevention programs that directly benefit them, and gain better insight into their risk profile through enhanced data analytics.

Types of Captive Insurance Structures

Single-Parent Captive

A captive owned by one parent company to insure its own risks. This is the most common structure for large corporations seeking to insure specific risks not adequately covered in the commercial market.

Rent-a-Captive

Companies “rent” capacity from an existing captive rather than forming their own. This provides many captive benefits without the capital commitment and administrative burden of ownership.

Group Captive

Multiple companies in similar industries join together to form a captive. This spreads risk across members and reduces capital requirements for each participant while maintaining industry-specific focus.

Protected Cell Captive

A structure where multiple cells operate under one captive license. Each cell has segregated assets and liabilities, allowing multiple companies to participate while maintaining separation.

Financial & Strategic Benefits

COST SAVINGS

Eliminate insurer profit margins and reduce administrative costs associated with traditional insurance.

ENHANCED RISK DATA

Gain better insight into your loss patterns and risk management effectiveness.

CASH FLOW MANAGEMENT

Retain underwriting profits and investment income within your corporate structure.

IMPROVED LOSS CONTROL

Direct financial incentive to implement effective safety and loss prevention programs.

CUSTOMIZED COVERAGE

Design insurance policies specifically for your unique risks and business needs.

REGULATORY ADVANTAGES

Certain captive structures offer tax advantages and regulatory benefits when properly structured.

Captive Formation Process

Feasibility Study

Comprehensive analysis of your risk profile, financials, and captive viability.

Structure Design

Determining optimal captive type, domicile, capital structure, and reinsurance.

Capitalization

Funding the captive with required capital and surplus based on risk exposure.

Ongoing Management

Continuous regulatory compliance, financial reporting, and claims administration.

Explore Captive Insurance Solutions

Schedule a confidential consultation with our captive insurance specialists to determine if forming a captive insurance company is the right strategic move for your business.

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