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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Property Market Softens Broadly — But Coastal, CAT-Exposed, and Hail Belt Risks Still Stressed

If you own a commercial building with no meaningful catastrophe exposure, 2026 feels great. Carriers are calling your broker. Renewals are coming in with real rate decreases — not token concessions, but 5–15% reductions that reflect genuine competition for your business. After years of painful increases, there's finally breathing room.

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Excess Liability Challenges

One of the largest U.S. based specialty construction and infrastructure companies works with C.I. to procure excess liability coverage. Taking a $5m xs $15m quota share position, this client will retain over $2.5m within their captive and still satisfy all lender requirements. With a historical loss ratio of 0% in this layer, this insured is now able to take control of their insurance program and gain underwriting profit that was a sunk cost in the commercial market previously.

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Recent News

4/1/2026

Property Market Softens Broadly — But Coastal, CAT-Exposed, and Hail Belt Risks Still Stressed

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3/31/2026

C.I. to Attend WRCIC 2026

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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.

Gain Credibility

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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.