In Part 1 of my recap from this year's Global Captive Congress in London, I focused on strategy and the growing push to make the captive the first question in any risk program. But strategy only gets you so far. Once an organization decides to put its captive at the center, it has to decide where that captive lives and how it is structured. That was the other big thread running through the congress. Owners today have more domicile options than ever, from Lloyd's captive syndicates to a new UK regime to a rapidly maturing and competitive US market, and more of them are asking whether their captive belongs closer to home. This piece walks through those sessions and what they mean for owners weighing their options.
Two FEMA announcements on the same day point the same way. At a private conference in Little Rock, FEMA Administrator Cameron Hamilton told state emergency managers that states must build their own financial reserves to handle most disasters without federal help. He said federal disaster aid cuts could come within six months. Also that day, FEMA launched a FloodSmart.gov tool that lets homeowners and renters buy NFIP policies directly, without an agent. An internal FEMA memo dated October 15 had already described the goal of handing disaster response to state and local governments to reduce "federal dependency".
If there was one idea that ran through every room at this year's Global Captive Congress in London, it was this: the captive is no longer the afterthought in a risk program. It is becoming the starting point. Session after session, whether the conversation was about corporate strategy, reinsurance, Lloyd's, or the new UK regime, speakers kept circling back to the same shift in thinking. What follows is my take on the day, session by session, and what I think it means for captive owners and the advisors who work with them.
Captives.Insure will attend the Global Captive Congress on October 21, 2026, at County Hall in London. We look forward to connecting with captive owners, industry colleagues, and partners to exchange perspectives on the evolving role of captives in risk financing.
Captives.Insure will attend the Tennessee Captive Insurance Association’s 16th Annual Conference, October 12–14, 2026, at Embassy Suites Downtown Nashville. We look forward to reconnecting with industry colleagues, building new relationships, and discussing practical approaches to captive insurance.
As the year draws to a close, now is the time to prepare for your January 1 renewals. In 2026, Captives Insure introduced a suite of General Liability, Auto Liability, Workers' Compensation, 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.
These programs are ideal for clients with strong historical loss performance, allowing them to capture meaningful underwriting profits and gain greater control over their insurance outcomes.
The Tennessee Department of Commerce & Insurance (TDCI) has proposed a rewrite of Chapter 0780-01-41, the rules that govern Tennessee captives. A public hearing is set for Oct. 20, 2026, at 9:00 a.m. in Conference Room 1-B, 500 James Robertson Parkway, Nashville.
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