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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FEMA’s Retreat Puts Catastrophe Risk Back on the Balance Sheet: What It Means for Captives at 1/1

Two FEMA announcements on the same day point the same way. At a private conference in Little Rock, FEMA Administrator Cameron Hamilton told state emergency managers that states must build their own financial reserves to handle most disasters without federal help. He said federal disaster aid cuts could come within six months. Also that day, FEMA launched a FloodSmart.gov tool that lets homeowners and renters buy NFIP policies directly, without an agent. An internal FEMA memo dated October 15 had already described the goal of handing disaster response to state and local governments to reduce "federal dependency".

Action Over Exposure: How New York’s Labor Law Reshapes Construction Risk

Few exposures test a construction insurance program the way New York does. A worker who is already covered by workers' compensation can, through a chain of contractual and statutory mechanics, end up generating a multi-million-dollar liability claim that lands squarely on the general liability tower — and, in turn, on whoever agreed to indemnify up the contractual chain. That mechanism is commonly called "action over," and in New York it operates against the backdrop of the most plaintiff-favorable construction liability statute in the country. For any captive owner with New York project exposure, or with contracts that reach into New York work, understanding how these two forces combine is essential before deciding what to retain and what to cede