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.
The captive insurance industry doesn't need more awareness — it needs better execution. That was the focus of our February 12 webinar, "Captive Insurance: Walking the Walk," featuring Joe McDonald, EVP and Director of Captive Consulting at Captives.Insure, and Scott Bailey, Audit Partner at CRI's Raleigh office with over a decade in the captive space.
A key driver of captive formation is the ability to shape claims strategy. Operating a captive enables the use of independent defense counsel, allowing organizations to influence litigation decisions, manage outcomes, and align defense with broader business objectives. Luke Renz, ACI offers a timely perspective on why claims governance is becoming a core captive value driver.
Captive pricing tightly links premiums, reserves, and the parent’s balance sheet—far more directly than in traditional carriers. It must simultaneously satisfy the owner, fronting partners, and regulators, ensuring premiums are defensible and arm’s‑length. The key decision is how much to rely on experience versus exposure rating, often blended, depending on data credibility and portfolio shifts.
For many middle‑market insureds, a group captive is the right on‑ramp: it offers diversification, shared overhead, and a relatively low barrier to entry. Over time, though, scale and loss experience can outgrow that structure. That is when a move to a single‑parent or cell structure starts to make sense. A deep independent evaluation can help guide through this process and provide invaluable insight to make an informed decision.
Last week, I had the opportunity to introduce the world of captive insurance to bright young minds at the University of South Carolina's Darla Moore School of Business. Joined by industry experts David Ward, Laura Rodrigo, and Karen Strange, we dove into the realm of captives with two risk management classes and then the Gamma Iota Sigma society.
Tennessee has established itself as a leading captive insurance domicile in the United States, offering a favorable regulatory environment and numerous advantages for businesses looking to form captive insurance companies.
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