By reinsuring its general liability program into a client-owned captive, a vertically integrated developer of attainable multifamily housing now keeps premium working on its own balance sheet that would otherwise have been surrendered to the traditional market.
A Florida-based commercial fleet operator with a mixed-use vehicle schedule of 73 liability units and 87 physical damage units sought to improve the economics of its commercial auto program. Contractual obligations required admitted paper from a financially strong carrier, and the insured's loss profile suggested it had room to take on meaningful risk participation rather than ceding underwriting margin entirely to the standard market
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.
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