For a student transportation group running school bus, activity, and charter operations in ten states, auto liability is not just an insurance line — it is a condition of every route contract. School districts require high limits, additional insured status, primary and noncontributory wording, and waivers of subrogation. Federal and state regulators require passenger-carrier filings. And all of it must sit on paper with the financial strength rating that contracts and statutes demand. Captives Insure structured a program that satisfies every one of those requirements while placing the underwriting results in the group's own hands.
For a commercial masonry contractor in New York, general liability is more than an insurance line — it is a condition of getting on the job. General contractors and project owners require high limits, additional insured status, primary and noncontributory wording, and waivers of subrogation before a crew sets foot on site. Those requirements dictate not only how much coverage the contractor buys, but the financial strength of the carrier that issues it. Captives Insure structured a program that satisfies every one of those demands while placing the underwriting results in the contractor's own hands.
For a trucking group operating thirty-six affiliated motor carriers across twenty-one states, commercial auto liability is the defining insurance cost of the business. The fleet runs predominantly long-haul truckload freight — most miles fall beyond a 200-mile radius — hauling a diversified book that spans general freight, building materials, temperature-controlled loads, and containerized cargo, with a mix of company drivers and owner-operators. Each carrier had been buying its own coverage, with every dollar of favorable loss experience accruing to someone else. Captives Insure structured a single program to bring that value home.
A real estate company carried a property schedule most carriers approach with caution: more than $900 million in total insurable value across a geographically diversified portfolio, with meaningful earthquake, named-wind, and flood exposure. Year after year, the underwriting margin on that program accrued to an outside carrier. Captives Insure structured a program that keeps it with the business that carries the risk.
For a multi-state staffing company, workers' compensation was the single largest line on its insurance program, with substantial premium flowing into the traditional market each year. Yet the underlying loss picture told a very different story: more than 200 reported claims across a five-year period, with not a single loss reaching $100,000 in incurred value. The exposure was frequent but predictable, well-controlled, and consistently profitable for whichever carrier held the paper. Captives Insure structured a program to return that profit potential to the business itself.
A regional habitational property manager operating a multifamily portfolio across the five boroughs of New York City — with additional exposures in Westchester County and northern New Jersey — already owned and operated its own captive insurance company. The captive allowed the business to retain its own premium and underwriting result rather than surrender them to the commercial market. What it lacked was the one thing its lenders and contractual counterparties insisted on: coverage issued on AM Best-rated paper
A large residential window installer operating in the state of Florida partnered with Captives Insure (C.I.) to restructure its general liability program around a wholly owned captive insurance company. The client carries a substantial general liability exposure inherent to residential construction and had historically ceded the full economics of that risk to the commercial market. Through a fronted captive structure, the client now retains over 80% of gross written premium within its own captive — capturing the underwriting result of a well-managed book of business while maintaining A-rated paper for its contractual and statutory obligations
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