As the year draws to a close, now is the time to prepare for your January 1 renewals. In 2025, Captives Insure introduced a suite of General Liability, Auto Liability, Excess, and Property captive programs—designed to help clients retain significant premium within wholly owned captives, while maintaining full broker commissions and captive manager revenues.
The IRS has raised the Section 831(b) annual premium cap for qualifying micro-captive insurance companies to $2.9 million, effective for taxable years beginning in 2026.
Artificial Intelligence (AI) is fundamentally reshaping the insurance sector, delivering unprecedented accuracy, efficiency, and personalization across underwriting, actuarial pricing, and risk evaluation. While AI’s use continues to expand and evolve, there are many considerations that need to be made to ensure fairness, transparency, and confidentiality. This article explores how AI can be used in underwriting, pricing, and risk evaluation along with its limitations and potential concerns.
A looming US government shutdown could ripple through the national economy and present major challenges for the insurance and reinsurance sectors. The credit rating agency AM Best emphasizes that the length of the shutdown will significantly impact the industry, with a prolonged disruption undermining consumer confidence, business investments, and potentially unsettling financial markets.
A loss control visit is a critical component of risk management for large commercial insureds, helping to identify, assess, and mitigate exposures that could otherwise result in significant financial loss or reputational harm. These visits, typically conducted by insurance carriers or specialized consultants, deliver substantial benefits to both insurers and insureds.
Underwriting is the foundation of successful captive insurance operations and is essential to differentiate "good" insureds from the merely "lucky" ones. The ability to identify and select insureds whose superior loss performance is due to replicable risk management—rather than chance—is one of the greatest determinants of a captive's long-term profitability and stability. While captives are a sophisticated alternative risk financing tool, they bear a significant amount of potential risk. Evaluating this risk, and managing it through proper underwriting is one the most important aspects when considering forming and operating a captive insurance arrangement.
Evaluating balance sheets and income statements involves thoroughly reviewing the financial components, performance metrics, and historical trends to assess a company's fiscal health and operational effectiveness.
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