As the year draws to a close, now is the time to prepare for your January 1 renewals. In 2025, Captives Insure introduced a suite of General Liability, Auto Liability, Excess, and Property captive programs—designed to help clients retain significant premium within wholly owned captives, while maintaining full broker commissions and captive manager revenues.
These programs are ideal for clients with strong historical loss performance, allowing them to capture meaningful underwriting profits and gain greater control over their insurance outcomes.
Our appetite includes (but is not limited to):
• Residential General Liability
• Commercial Auto
• Residential Habitational (including NATCAT exposures)
—all structured to meet AM Best-rated contractual requirements.
Recently bound programs include:
• A primary GL program ($5m/$5m) for an 8,000-unit real estate investment firm
• An industrial primary property placement (Primary $5m per occ)
• A 3,500-power unit auto liability program ($1m CSL)
—read additional case studies here
Each of these retained 75%+ of premium in a captive structure—without impacting broker compensation. Reinsurance options are typically available across all lines.
Program/Qualification Info:
• Available in all 50 states and select international jurisdictions
• All policies issued with a rating of at least A- IX FSC (AM Best)
• Policies available on an Admitted and Excess & Surplus lines basis
• Minimum $500K in gross written premium (GWP)
• Target loss ratios of ~40% or lower
• No required risk sharing
• Ability to utilize existing captives and third-party captive managers
• Customizable captive and insured retentions
With typical turn times of 60 days, now is the time to send in your submissions to ensure delivery of applicable terms for 1/1. Please don’t hesitate to reach out to the Captives.Insure team to schedule some time to discuss further.
SUBMIT A RISK