A Florida-based residential affordable real estate client with $1 billion in total insurable value partnered with Captives Insure (C.I.) to renew a $60 million primary property policy and a $15 million excess general liability policy. Leveraging a historical property loss ratio under 4% and a loss-free excess liability layer, C.I. secured a meaningful rate reduction for the property and a flat renewal for their excess general liability even with the continued strained rate environment across liability and coastal property lines. Through a bespoke captive structure, the client recaptures millions that would otherwise be spent in the standard market and retained approximately $4 million in gross written premium this year alone. For the 2026 renewal, C.I. delivered premium decrease on the primary property layer and a flat renewal on the excess liability layer
A coastal residential property owner managing over $1 billion in total insured values across 10,000+ units partnered with C.I. to secure a $1 million property policy and a $400k per occurrence / $5 million aggregate general liability policy. The captive retains 85% of premium on AM Best A+ XV Admitted paper. At renewal, C.I. delivered a near 30% rate reduction.
How a captive turned a $4 million of sunk cost into a profit center.
A mid-market residential homebuilder operates a large-scale construction portfolio across multiple states, executing both single-family and townhome projects. The company maintains a significant project inventory of approximately of nearly $1 billion in total project value across active construction sites. With sophisticated project management infrastructure and multi-lender funding relationships, the company coordinates construction across multiple geographic markets with diverse funding partners, general contractors, and material suppliers.
A dynamic mid-market plumbing services contractor headquartered in South Florida operates across multiple service regions with a robust field operations structure. With approximately 250+ active field personnel and support staff, the company executes residential and commercial plumbing projects ranging from routine maintenance to large-scale commercial installations.
In the traditional commercial market, the insured was unable to procure a dedicated human trafficking policy on a standalone basis, despite actively seeking options through standard carriers and program markets. Capacity, appetite, and form limitations made it difficult to obtain meaningful limits, tailored wording, and a clear response to trafficking‑related events under conventional placements. Captives.Insure stepped into this gap by engineering a bespoke human trafficking solution specifically for the insured, providing purpose‑built coverage where the standard market could not.
This leading independent hospitality operator manages a large portfolio of hotels and properties across the United States. With operations spanning multiple states and over 120 locations, the company specializes in providing exceptional guest experiences while maintaining rigorous operational and safety standards.
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