Building a high-performing captive insurance team is essential to unlocking the full value of your captive and ensuring its long-term success.
Captive Review is a prominent publication and awards platform within the captive insurance industry, recognizing excellence and innovation across a wide range of service categories. Their annual US Captive Review Awards highlight leading firms and professionals, including those specializing in captive broking services.
As we reach the midpoint of 2025, the U.S. property and casualty (P&C) insurance industry is demonstrating remarkable resilience. Despite persistent macroeconomic headwinds, rising litigation costs, and a shifting regulatory landscape, most insurers have reported stronger-than-expected results for the first quarter. Underwriting discipline remains tight, and combined ratios have improved, but the industry continues to grapple with the effects of social inflation. This phenomenon—marked by increasing liability claim costs driven by litigation trends and changing societal attitudes—remains a significant concern, especially in casualty lines such as commercial auto and excess liability. In response, insurers are pursuing targeted rate increases and reinforcing their reserves to better manage these risks.
The 2025 Atlantic hurricane season, which began on June 1 and runs through November 30, is forecast to be more active than usual, prompting heightened vigilance from emergency managers, insurers, and coastal communities. NOAA and other leading forecasters project a 60% chance of an above-normal season, a 30% chance of a near-normal season, and just a 10% chance of a quieter-than-average year.
Understanding Self-insured retentions (SIR) and deductibles is critical for both standard insurance placements, and captive arrangements. Both mechanisms allow businesses to lower premiums by assuming a portion of risk, but they operate in fundamentally different ways, with implications for cash flow, control, and long-term financial outcomes.
Evan brings over 15 years of distinguished experience in the property and casualty insurance sector, with a proven track record managing multi-million dollar accounts and delivering results for major insurers. His background includes senior underwriting roles at major insurers such as AIG, Liberty Mutual Insurance Group and FM Global. Throughout his career, Evan has specialized in primary and excess liability placements, complex commercial property risks, and the successful retention and growth of large account portfolios.
Reinsurance enables captives to expand their capacity, stabilize premiums, and protect against catastrophic or aggregate loss events. By ceding specific, high-severity risks or limiting total annual losses, captives can maintain solvency, optimize capital allocation, and confidently underwrite broader or more volatile risks.
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