A Florida-based residential affordable real estate client with $1 billion in total insurable value partnered with Captives Insure (C.I.) to renew a $60 million primary property policy and a $15 million excess general liability policy. Leveraging a historical property loss ratio under 4% and a loss-free excess liability layer, C.I. secured a meaningful rate reduction for the property and a flat renewal for their excess general liability even with the continued strained rate environment across liability and coastal property lines. Through a bespoke captive structure, the client recaptures millions that would otherwise be spent in the standard market and retained approximately $4 million in gross written premium this year alone. For the 2026 renewal, C.I. delivered premium decrease on the primary property layer and a flat renewal on the excess liability layer
In this Pinnacle APEX webinar, Pinnacle Consulting Actuary Nick Gurgone joins Captives.Insure's Luke Renz to walk through the current state of the property market, the trends shaping it, and a practical framework for structuring property coverage inside a captive — regardless of where the market sits in the cycle. The session closes with real-world case studies showing how these structures perform in practice.
Every captive insurance program that participates in a fronted reinsurance arrangement faces an important question: how does the fronting carrier secure its credit for reinsurance ceded to the captive and how are these funds protected from potential bad actors? In the U.S. regulatory framework, an unauthorized or non-admitted reinsurer must post collateral in a form that the cedent can rely on, satisfy schedule F obligations, that state regulators will recognize, and that cannot be unwound or reached by the wrong parties at the wrong time.
Yesterday a federal court in Houston handed down its ruling in Drake Plastics Ltd. Co. v. Internal Revenue Service, and within 48 hours we'll be drowning in hot takes from people who've never read a Tax Court opinion on captive insurance substance
Last summer, when Louisiana signed the CHOICES Law into effect, it marked the state's first major captive statute update in 17 years. The legislative victory was celebrated as a clear signal that Louisiana was ready to compete in the rapidly expanding alternative risk transfer space. But modernizing a statute on paper is only the price of admission to the captive industry. It does not guarantee a functioning, stable domicile.
A coastal residential property owner managing over $1 billion in total insured values across 10,000+ units partnered with C.I. to secure a $1 million property policy and a $400k per occurrence / $5 million aggregate general liability policy. The captive retains 85% of premium on AM Best A+ XV Admitted paper. At renewal, C.I. delivered a near 30% rate reduction.
Social inflation — the trend of rising insurance claim costs driven by legal, societal, and litigation factors beyond economic inflation — has become a structural reality reshaping casualty risk across every commercial line. What was once a concern concentrated in commercial auto has expanded into general liability, products liability, umbrella and excess layers, and professional liability. Jury verdicts, settlement demands, and litigation costs continue to rise at rates that far outpace general economic inflation.
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