The 2025 Cayman Captive Forum, organized by the Insurance Managers Association of Cayman (IMAC), returns December 2–4 at the Ritz-Carlton, Grand Cayman, and is officially sold out. Nate Reznicek of C.I. is excited to attend this year’s Cayman Captive Forum, taking place December 2–4. With sold-out attendance and a strong agenda, the event promises to be both engaging and productive. To connect with Nate during the forum, feel free to reach out at Nate@captives.insure to arrange a meeting.
A Missouri-based assisted and skilled nursing facility engaged Captives Insure to reimagine its liability insurance program. Intent on retaining greater control over claims and underwriting profit, the organization requested a captive insurance structure able to both fulfill strict regulatory/lender requirements and maximize risk retention.
As we reach the midpoint of 2025, the U.S. property and casualty (P&C) insurance industry is demonstrating remarkable resilience. Despite persistent macroeconomic headwinds, rising litigation costs, and a shifting regulatory landscape, most insurers have reported stronger-than-expected results for the first quarter. Underwriting discipline remains tight, and combined ratios have improved, but the industry continues to grapple with the effects of social inflation. This phenomenon—marked by increasing liability claim costs driven by litigation trends and changing societal attitudes—remains a significant concern, especially in casualty lines such as commercial auto and excess liability. In response, insurers are pursuing targeted rate increases and reinforcing their reserves to better manage these risks.
The 2025 Atlantic hurricane season, which began on June 1 and runs through November 30, is forecast to be more active than usual, prompting heightened vigilance from emergency managers, insurers, and coastal communities. NOAA and other leading forecasters project a 60% chance of an above-normal season, a 30% chance of a near-normal season, and just a 10% chance of a quieter-than-average year.
Understanding Self-insured retentions (SIR) and deductibles is critical for both standard insurance placements, and captive arrangements. Both mechanisms allow businesses to lower premiums by assuming a portion of risk, but they operate in fundamentally different ways, with implications for cash flow, control, and long-term financial outcomes.
While both medical malpractice and professional liability insurance protect against professional risks, they are tailored to fundamentally different exposures. Healthcare providers need malpractice insurance to guard against claims of physical harm, while other professionals require liability coverage for financial or reputational losses. Selecting the right policy depends on the nature of your profession and the specific risks you face.
Social inflation has emerged as a critical force driving up the cost of liability insurance in the United States and beyond. Unlike economic inflation, which is tied to broader price increases in the economy, social inflation refers to the rising costs of insurance claims that exceed what can be explained by economic factors alone. This phenomenon is reshaping the commercial insurance landscape, with Captive insurance companies being increasinlgy utilized as a strategic alternative for organizations facing the challenges of social inflation.
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