Insights

6/23/2025

Total Cost of Risk and the Impact of Captives

Total Cost of Risk (TCOR) is a holistic measure that captures the full financial footprint of managing risk within an organization. Rather than focusing solely on insurance premiums, TCOR encompasses every expense associated with risk, including direct losses, administrative efforts, and even the hidden costs that can arise when things go wrong. For sophisticated businesses, understanding and managing TCOR is essential to maintaining both profitability and resilience.

Read More

6/23/2025

The Impact of Interest Rates on Insurance Pricing

Interest rates are a powerful force shaping the insurance and reinsurance landscape. Their movement—whether up or down—ripples through investment portfolios, pricing strategies, and the very stability of insurers and reinsurers. To understand this relationship, imagine an insurance company as a careful steward: it collects premiums, invests them, and pays claims, all while navigating the unpredictable tides of the financial markets.

Read More

6/23/2025

Common Captive Pitfalls and How to Avoid Them

When a business decides to form a captive insurance company, it often does so with a few main objectives—greater control over risk, improved cost management, and the ability to tailor coverage to its unique needs. But as many seasoned professionals in the insurance industry can attest, the road to a successful captive is lined with pitfalls that can undermine even the best-laid plans. Understanding these common missteps is critical for any organization considering this journey.

Read More

6/16/2025

From Shared Risk to Full Control: Transitioning from a Group to a Single Parent Captive

Transitioning from a group captive arrangement to a single parent captive represents a significant strategic shift for businesses seeking greater control, customization, and financial benefit from their insurance programs. This move is typically considered by organizations that have outgrown the shared structure of a group captive and are ready to assume the full responsibilities and rewards of self-insurance through their own wholly owned captive.

Read More

6/16/2025

Legacy Solutions for Captive Insurance Companies

Captive insurance companies are a long term strategy to designed to mature and grow for many years. However, as business needs change—through mergers, shifts in risk appetite, or evolving regulatory environments—some captives become redundant or are no longer actively used. In such cases, legacy solutions like dormancy and run-off are employed to manage or exit these captives efficiently. Understanding the distinction between these approaches is crucial for stakeholders seeking to optimize capital, reduce administrative burdens, or achieve finality on outstanding liabilities.

Read More

6/10/2025

Building a High-Performing Captive Insurance Team

Building a high-performing captive insurance team is essential to unlocking the full value of your captive and ensuring its long-term success.

Read More

6/9/2025

C.I. Shortlisted for Captive Review’s Captive Broking Services Award

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.

Read More