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.
This vertically integrated, Miami-based real estate company specializing in the acquisition, development, and management of multifamily and single-family rental communities. Founded in 1996 the company has owned and operated over 30,000 multifamily units valued at more than $5 billion across the United States. Their current portfolio includes more than 12,000 multifamily units in eight states, with a total valuation exceeding $2.9 billion and over $1.1 billion in equity under management.
This insured is a fully integrated real estate development and investment management firm specializing in the creation of market-rate workforce housing across the Sun Belt region of the United States. Their business model focuses on delivering high-quality, affordable multifamily housing to meet the growing demand in rapidly expanding markets. The client, in collaboration with their broker and captive manager, engaged Captives Insure (C.I.) to secure a robust and lender-accepted general liability captive insurance solution.
Choosing claims made or occurrence based coverage can have a significant impact on your captive insurance company. This choice impacts not only the way claims are handled, but also the long-term financial strategy, premium structure, and risk management philosophy of the captive. Understanding the differences between these two coverage types is essential for any organization seeking to maximize the value and control offered by a captive insurance program.
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