Third-party litigation funding is changing how lawsuits are fought in America—and not always for the better. This fast-growing industry allows outside investors to pay the costs of lawsuits in exchange for a share of any payout. While it can help some plaintiffs access the courts, it has also fueled longer cases, higher settlement demands, and record-breaking jury awards known as “nuclear verdicts.” These costly outcomes have driven up insurance premiums and made coverage harder to find for many businesses.
Excess of Loss (XoL) reinsurance is a cornerstone of risk management within captive insurance structures, providing captives with protection against severe or catastrophic losses that exceed a defined threshold. For companies leveraging captives to retain underwriting profits while maintaining financial stability, XoL reinsurance is an essential tool.
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.
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