Article

Property has historically been one of the harder lines to place in a captive — even with a current softening market, sustained hard market conditions over the last decade have changed the calculus. As capacity has tightened and rates have climbed, captive owners and their advisors have built creative, effective property structures that would have been uncommon just a few years ago.

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.

What's Covered

• State of the Property Market. A grounded look at where rates, capacity, and carrier appetite stand today, and what's driving the conditions captive owners are navigating.
• Recent Trends Shaping Captive Property Programs. How catastrophe losses, reinsurance repricing, and valuation pressure are pushing more insureds toward captive solutions for property exposures.
• Structuring Property Coverage in a Captive. Practical considerations — quota share participation, layering, fronting, reinsurance, and collateral — for building a property program that holds up in both hard and soft markets.
• Case Studies. Successful captive property placements that illustrate how the right structure converts a difficult renewal into a long-term risk financing advantage.