By reinsuring its general liability program into a client-owned captive, a vertically integrated developer of attainable multifamily housing now keeps premium working on its own balance sheet that would otherwise have been surrendered to the traditional market.
Captive insurance has evolved from a niche risk-management tool into a mainstream strategy embraced by businesses of all sizes. At its core, a captive is an insurance company formed and wholly owned by its insureds to provide coverage that is either unavailable, too expensive, or poorly tailored in the commercial market. While the concept is straightforward, the structure can vary significantly. Understanding the nuance between structures will be key to the decision-making process when forming your captive
The captive insurance market is expanding rapidly. New formations are up. Premium volume is climbing. If you are a commercial insurance broker, you have almost certainly noticed, because the pitch decks, the webinars, and the LinkedIn posts have become impossible to ignore.
Captives Insure is pleased to announce our attendance at the Captive Review Conference USA 2026, one of the premier gatherings for captive insurance owners, managers, advisors, and service providers in the United States.
The conference brings together leaders from across the captive insurance industry to discuss market dynamics, regulatory developments, domicile trends, reinsurance conditions, and emerging structural strategies relevant to middle-market and Fortune 1000 captive programs. As active participants in this market, our team looks forward to engaging with fellow industry professionals, sharing insights from our client work, and exploring new opportunities to help organizations build and optimize their captive programs.
A Florida-based commercial fleet operator with a mixed-use vehicle schedule of 73 liability units and 87 physical damage units sought to improve the economics of its commercial auto program. Contractual obligations required admitted paper from a financially strong carrier, and the insured's loss profile suggested it had room to take on meaningful risk participation rather than ceding underwriting margin entirely to the standard market
The U.S. property and casualty industry has run through roughly seven complete underwriting cycles since 1950. Each one has been driven by a different combination of catastrophes, capital flows, tort developments, and macroeconomic forces — but the underlying mechanism has been remarkably consistent. Soft markets compress rates below adequacy, losses develop adversely, capacity withdraws, rates correct sharply, capital returns, and the cycle resets
Captive insurance has been a recognized risk financing tool for more than a century, with origins tracing back to the early 1900s and a modern regulatory framework that has matured across more than thirty U.S. domiciles and dozens of offshore jurisdictions. Despite that history, captives remain widely misunderstood by the corporate finance and risk management professionals who stand to benefit most from them
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