Independent Captive Insurance MGA and Consulting Firm

As one of the largest independent captive insurance program managers in the world, our open programs give brokers and captive managers the tools and expertise to provide AM Best rated global captive insurance solutions, confidently win new business, and retain key accounts without sacrificing commissions or revenue.

Take Charge

Are You Putting the Cart Before the Horse?

Interest in captive insurance tends to spike when the commercial market turns hard. A renewal comes in well above budget, a carrier non-renews a line, or a peer company shares how its captive has performed — and suddenly the question in the boardroom becomes, "Should we be doing this too?" The natural next step, it seems, is to commission a formal feasibility study.

That instinct is understandable, but it is often premature. A feasibility study is a meaningful commitment of time, money, and internal attention. It typically involves actuarial analysis, financial projections, tax and legal review, and domicile evaluation, and it draws on management time across finance, risk, and operations. When an organization commissions a study before the underlying fundamentals are in place, the most likely outcome is an expensive report confirming that the company is not yet ready.

Read more

C.I. Renews +$5m GWP Residential Real Estate Client with Reductions in Collateral and Premium

A Florida-based residential affordable real estate client with a $1 billion 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 of under 4% and a loss-free excess liability layer, C.I. secured significant reductions in both premium and collateral requirements. Through a bespoke captive insurance structure, the client recaptured millions previously spent in the standard insurance market and retained ~$4 million in gross written premium within their captive. C.I. was able to negotiate renewal terms and provide a collateral reduction of over 50% for their 2025 renewal along with a market rate premium decrease

Read more
Two people sitting in front of a tablet on a table

Recent News

11/11/2026

Are You Putting the Cart Before the Horse?

{exerpt}

Read More

11/11/2026

C.I. Provides a Multistate Student Transportation Group a $10.8M Admitted Auto Captive Solution With $5M Liability and $1M Physical Damage Limits

{exerpt}

Read More

Independent Captive Insurance MGA

Client Focused. Straightforward. Transparent.

The traditional purchase of insurance is one of the worst investments that well-managed clients make each and every year. Regardless of your experience with captive insurance, we’ll give you the tools to help you turn this traditional sunk cost into a profit center for your clients.  Our AM Best delegated underwriting authority, open programs, and wide appetite will help ensure you deliver without having to change commision structures or captive managers.  

A graphic that shows a clipboard with graphs on it.

Multi-Line Captive Insurance Program Business

From initial education to binding coverage, we’ll help you deliver. Use our delegated underwriting authority and deep captive insurance expertise to identify, underwrite, and bind AM Best rated solutions for all your captive insurance needs.

START BUILDING

Captive Insurance Consulting

Our independent and education-led approach arms our agent/broker partners with the knowledge and skills necessary to stand out from the crowd.

A graphic that shows a screen with graphs on it.

Structure Evaluation

Help ensure your client’s current or considered captive arrangement is the best fit for their business.

Gain Credibility

Start the Conversation

Interested in learning more about what Captives Insure has to offer? Send us a message, and we’ll connect with you shortly.