Captive Insurance Services
Own the underwriting profit you currently rent
For consistently profitable companies with better-than-average loss history.
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When your losses run well below the premium you pay, that margin belongs to a carrier. A captive — group or single-parent — lets a business retain predictable risk, reinsure the rest, and keep the underwriting result. It is not for everyone, and we will tell you plainly when it isn't for you.
- Typical profile
- $500k+ annual P&C premium
- Structures
- Group and single-parent
- Starting point
- Feasibility analysis
01
Feasibility before formation
Loss history, premium volume, and cash flow modeled first. Structure recommendations come after the math, never before.
02
Group and single-parent structures
Domicile selection, capitalization, and fronting arrangements built around how your business actually operates.
03
Coordinated risk retention
Deductible layers, aggregate protection, and reinsurance placed so retained risk stays inside what you can absorb.
04
Governance and reporting
Actuarial, audit, and compliance partners coordinated with your CPA so the captive stands up to scrutiny.
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