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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New York Contingent Auto Program Retains Significant Premium on A-Rated Paper

A New York-based operator that provides varies types of autos into the hands of third-party drivers partnered with Captives Insure (C.I.) to write its commercial auto liability through a captive. The coverage is structured as contingent auto liability: the operator's policy sits behind the primary auto coverage that the drivers are required to carry, written at New York's statutory minimum limits, subject to a modest per-claim deductible, and including the state's mandatory personal injury protection and uninsured/underinsured motorist coverages. Because a captive cannot meet the filing, rating, and financial-strength requirements that New York and the operator's counterparties impose, an A-rated carrier issues the policy as a fronted, surplus-lines placement and cedes the risk back to the operator's captive. The captive assumes 100% (minus aggregate stop loss) of the risk and underwriting profit.

Fronting Capacity Constraints: What’s Behind the Tightening in Liability Lines

Fronting interest and capacity for select liability coverages has been declining over the past two years, and the trend is expected to continue into 2026. For captive programs that depend on fronting arrangements, this isn't just a market inconvenience, it's a structural challenge that touches every layer of the value chain, from the captive sponsor to the reinsurer. Understanding what's driving the shift is essential for anyone designing, placing, or managing captive liability programs today.