"AM Best has revised its outlook on the U.S. excess & surplus (E&S) market to stable as premium growth slows and rate momentum eases. Discover what this shift means for captive insurance strategies, risk retention, and high-performing middle-market and corporate buyers."
The 2025 Cayman Captive Forum, organized by the Insurance Managers Association of Cayman (IMAC), returns December 2–4 at the Ritz-Carlton, Grand Cayman, and is officially sold out. Nate Reznicek of C.I. is excited to attend this year’s Cayman Captive Forum, taking place December 2–4. With sold-out attendance and a strong agenda, the event promises to be both engaging and productive. To connect with Nate during the forum, feel free to reach out at Nate@captives.insure to arrange a meeting.
Transitioning from a segregated cell facility to a pure (single parent) captive insurance company can be accomplished efficiently by leveraging the process of transferring assets and liabilities. With evolving regulations in many captive domiciles, this pathway is becoming both common and streamlined, giving organizations clear advantages in control and structure. While a cell captive offers many of the same benefits of pure captives and a lower barrier to entry from both a premium and cost perspective, there can be motivations to move to a single parent / “pure” captive. This article will explore some of the differences and considerations to make between these captive structures.
A Missouri-based assisted and skilled nursing facility engaged Captives Insure to reimagine its liability insurance program. Intent on retaining greater control over claims and underwriting profit, the organization requested a captive insurance structure able to both fulfill strict regulatory/lender requirements and maximize risk retention.
The government is now reopening after the longest shutdown in U.S. history, restoring vital functions for federal insurance programs and prompting the insurance industry to restart delayed operations. However, significant debate and lingering uncertainties remain, particularly regarding future health insurance subsidies and long-term impacts.
Captives are increasingly diversifying their reinsurance structures to manage complex and evolving risk portfolios. While treaty reinsurance remains foundational for predictable exposures, facultative and layered reinsurance programs are being used to address tightening capacity and distressed lines, such as auto and general liability. By blending quota share, excess of loss, and facultative placements, captives can tailor coverage and optimize retention levels, often using reinsurance primarily for catastrophic protection. The use of advanced analytics, proprietary loss data, and transparent risk reporting has become a key advantage, enabling captives to negotiate more favorable terms and access capacity in markets where traditional reinsurance remains constrained.
The current commercial insurance market has undergone significant transformation in recent years, marked by dramatic swings between hard and soft market cycles. As a consultant working alongside global brokers, captive managers, and high-performing businesses, it’s crucial to understand both the dynamics of today’s insurance landscape and the compelling advantages that captive insurance offers.
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