Independent Captive Insurance Underwriting and Consulting

Giving brokers and captive managers the tools and expertise to provide global captive insurance solutions, confidently win new business, and retain key accounts without sacrificing commissions or revenue.

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C.I. Renews +$5m GWP Residential Real Estate Client with Reductions in Collateral and Premium

A Florida-based residential affordable real estate client with a $1 billion total insurable value partnered with Captives Insure (C.I.) to renew a $60 million primary property policy and a $15 million excess general liability policy. Leveraging a historical property loss ratio of under 4% and a loss-free excess liability layer, C.I. secured significant reductions in both premium and collateral requirements. Through a bespoke captive insurance structure, the client recaptured millions previously spent in the standard insurance market and retained ~$4 million in gross written premium within their captive. C.I. was able to negotiate renewal terms and provide a collateral reduction of over 50% for their 2025 renewal along with a market rate premium decrease

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Captive Insurance Reduces Premium Volatility

One of the key advantages of captive insurance is the ability to achieve pricing stability. As a captive matures and accumulates capital and surplus, it becomes better equipped to retain risk and insulate itself from fluctuations in the commercial insurance market.

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Recent News

5/13/2025

C.I. Renews +$5m GWP Residential Real Estate Client with Reductions in Collateral and Premium

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5/8/2025

SC Passes Captive Statute Update, Heads to Governor for Signature

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Expert Captive Insurance Consulting

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.

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Captive Fronting and Reinsurance

From initial education to binding coverage, we’ll help you deliver. Use our knowledge and experience to identify, underwrite, and bind AM Best rated fronting and reinsurance for 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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