Independent Captive Insurance MGA and Consulting Firm

As one of the largest independent captive insurance program managers in the world, our open programs give brokers and captive managers the tools and expertise to provide AM Best rated global captive insurance solutions, confidently win new business, and retain key accounts without sacrificing commissions or revenue.

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Captive Reinsurance vs Deductible Reimbursement: Evolving Beyond Legacy Structures

Captive insurance structures vary widely in economic performance. While deductible reimbursement policies remain familiar to many insureds, they represent a legacy approach with inherent limitations—restricted premium flow, carrier appetite constraints, contractual friction, and tax complications. In contrast, captive reinsurance structures deliver superior premium allocation, enhanced market access, operational efficiency, and measurable performance advantages. For sophisticated risk managers, the reinsurance model represents the optimal path to maximize captive value and long-term control.

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Third-Party Litigation Funding: A Growing Challenge to Insurance—And Why Captives Offer a Strategic Solution

Third-party litigation funding is changing how lawsuits are fought in America—and not always for the better. This fast-growing industry allows outside investors to pay the costs of lawsuits in exchange for a share of any payout. While it can help some plaintiffs access the courts, it has also fueled longer cases, higher settlement demands, and record-breaking jury awards known as “nuclear verdicts.” These costly outcomes have driven up insurance premiums and made coverage harder to find for many businesses.​

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Recent News

10/28/2025

Captive Reinsurance vs Deductible Reimbursement: Evolving Beyond Legacy Structures

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10/27/2025

Hurricane Melissa: Historic Storm Threatens the Caribbean

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Independent Captive Insurance MGA

Client Focused. Straightforward. Transparent.

The traditional purchase of insurance is one of the worst investments that well-managed clients make each and every year. Regardless of your experience with captive insurance, we’ll give you the tools to help you turn this traditional sunk cost into a profit center for your clients.  Our AM Best delegated underwriting authority, open programs, and wide appetite will help ensure you deliver without having to change commision structures or captive managers.  

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Multi-Line Captive Insurance Program Business

From initial education to binding coverage, we’ll help you deliver. Use our delegated underwriting authority and deep captive insurance expertise to identify, underwrite, and bind AM Best rated solutions for all your captive insurance needs.

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Captive Insurance Consulting

Our independent and education-led approach arms our agent/broker partners with the knowledge and skills necessary to stand out from the crowd.

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Structure Evaluation

Help ensure your client’s current or considered captive arrangement is the best fit for their business.

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Interested in learning more about what Captives Insure has to offer? Send us a message, and we’ll connect with you shortly.