Captive Insurance

A captive insurance company (“CIC”) is a form of self-insurance, in which a captive subsidiary company is created to provide property and casualty insurance for the parent operating company. Ask yourself – could this make sense for your business?

A CIC may allow the operating company to capture costs normally lost to third-party insurers, better manage enterprise risk, and reduce insurance costs via direct access to the wholesale reinsurance market.

Potential benefits of captive insurance companies:


Minimize Cost Risk Management Improve Cash Flow Wealth Accumulation
• Reduce insurance costs

• Capture

underwriting profit

• Pricing



• Greater claims control

• Increase capacity

• Increase coverage

• Underwriting flexibility

• Access reinsurance market

• Incentive for loss control

• Retail premium dollars • Estate planning

• Asset protection

• Asset growth potential


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