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.

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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.

Construction Liability — The Captive Opportunity

The US construction liability market is diverging sharply from broader GL trends. Residential construction — condos, townhomes, and high-end developments — is a particularly distressed segment, facing tightening capacity, rising excess rates, and increasingly selective underwriting. Insurers are responding with higher retentions, narrower terms, project-specific underwriting requirements, and in some states, outright declinations of residential risks.