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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C.I. Renews +$60m Property Policy and $15m xs $5m Liability Policy for Residential Real Estate Client

A Florida-based residential affordable real estate client with $1 billion in 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 under 4% and a loss-free excess liability layer, C.I. secured a meaningful rate reduction for the property and a flat renewal for their excess general liability even with the continued strained rate environment across liability and coastal property lines. Through a bespoke captive structure, the client recaptures millions that would otherwise be spent in the standard market and retained approximately $4 million in gross written premium this year alone. For the 2026 renewal, C.I. delivered premium decrease on the primary property layer and a flat renewal on the excess liability layer

Distinguishing Between Insurance Risk and Credit Risk in Commercial Insurance

In commercial insurance operations, understanding risk is fundamental to underwriting, capital management, and long-term profitability. Two of the most important—yet distinct—categories are insurance risk and credit risk. Insurance risk is where the insurer is to to pay for losses based on the coverage provided.