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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C.I. Featured in Captive Insurance Times

Captives are increasingly diversifying their reinsurance structures to manage complex and evolving risk portfolios. While treaty reinsurance remains foundational for predictable exposures, facultative and layered reinsurance programs are being used to address tightening capacity and distressed lines, such as auto and general liability. By blending quota share, excess of loss, and facultative placements, captives can tailor coverage and optimize retention levels, often using reinsurance primarily for catastrophic protection. The use of advanced analytics, proprietary loss data, and transparent risk reporting has become a key advantage, enabling captives to negotiate more favorable terms and access capacity in markets where traditional reinsurance remains constrained.

The Importance of Captive Underwriting: Differentiating “Good” from “Lucky”

Underwriting is the foundation of successful captive insurance operations and is essential to differentiate "good" insureds from the merely "lucky" ones. The ability to identify and select insureds whose superior loss performance is due to replicable risk management—rather than chance—is one of the greatest determinants of a captive's long-term profitability and stability. While captives are a sophisticated alternative risk financing tool, they bear a significant amount of potential risk. Evaluating this risk, and managing it through proper underwriting is one the most important aspects when considering forming and operating a captive insurance arrangement.