Coastal Property & General Liability Policy for Residential Real Estate Client

4/8/2026

Client Case Study

How a captive structure allows a 10,000+ unit residential portfolio to retain 85% of premium on A+ XV Admitted paper.

Client Overview

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.

$1B+Total Insured Values

10K+Residential Units

~30%Rate Reduction at Renewal

85%Premium Retained in Captive

Program Structure & Captive Participation

Property: $1 million property policy covering the full residential portfolio of $1B+ in total insured values across 10,000+ units.
General Liability: $400k per occurrence / $5 million aggregate general liability policy covering operational exposures.
Rate Reduction: At renewal, C.I. was able to provide a rate reduction of nearly 30% based on their captive experience.
Risk Retention: The captive retains 100% of the risk on the captive layer in exchange for 85% of premiums.
AM Best Rating: All policies issued on A+ XV Admitted paper, satisfying all lender and contractual requirements.
Claims Performance: $0 in property claims over the last two renewals. ~30% loss ratio on general liability.

Financial Impact

Metric	Traditional Market	C.I. Captive Structure
Annual Premium	Paid to commercial carrier	85% retained in captive
Rate at Renewal	Subject to market increases	~30% reduction
Year over year Cumulative Retention	$0 returned to client	$5M+ retained in captive
AM Best Rated Paper	Yes	Yes — A+ XV Admitted

Result: The client has retained well over $5m in their captive since inception, achieved rate reductions at each renewal due to their loss experience, and maintains full contractual compliance through A+ XV Admitted paper. The captive structure has transformed insurance from a sunk cost into a strategic asset that is not exposed to commercial rate increases or forthcoming hard markets. .

Is Your Business the Right Fit for a Captive?

C.I. provides turn-key captive insurance solutions that allow businesses to retain significant premiums, control, and underwriting profit — all while providing A-rated paper to satisfy every contractual requirement. Reach out today for a no-cost evaluation.

info@captives.insure

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