Commercial general liability (CGL) insurance in 2025 is has experienced some market stabilization and evolving risk exposures, particularly around rising claims severity, tightening underwriter scrutiny, and expanding litigation risks. Captive insurance is increasingly used as an alternative strategy for businesses to manage coverage gaps and exercise greater control over liability costs.
Deductible Reimbursement Policies (DRPs) provide a focused and strategic way for businesses to manage risk and insurance costs. DRPs are designed to reimburse the insured for deductibles paid on claims under high-deductible insurance policies, enabling companies to select higher deductibles, reduce their premiums, and establish a financial cushion against large out-of-pocket expenses following a loss.
This independent distributor specializing in industrial and contractor supplies, headquartered in Illinois is recognized for its broad inventory, expert knowledge and reliable local service. With 40+ years of experience, over $260m in total insured values, and loss free claims experience for their property exposures, they have retained a significant amount of underwriting profit within their wholly owned captive insurance company.
The global captive insurance industry has reached a critical inflection point in 2025, with over 10,000 risk-bearing entities now operating worldwide—a figure that encompasses traditional captives, protected cells, innovative series LLCs, and other Risk Bearing Entity (RBE) structures. This comprehensive market analysis reveals an industry writing approximately $62 billion in direct premiums annually, positioning captives as essential components of sophisticated risk management strategies rather than alternative solutions.
Over 25 countries suspended postal delivery to the US, affecting $800+ billion in trade. Learn how captive insurance solutions provide superior supply chain risk management, trade credit protection, and business interruption coverage for the 2025 regulatory changes. Expert insights from award-winning captive insurance consultants.
The insurance and reinsurance markets in August 2025 remain profitable and resilient, despite pressures from catastrophic events and evolving regulatory environments. Strategic capital deployment, strong investment returns, and regulatory modernization are shaping a robust outlook for both sectors as they navigate ongoing risks and market competition
Crypto-backed mortgages allow borrowers to use their cryptocurrency holdings—such as Bitcoin, Ethereum, or stablecoins—as collateral to secure mortgages for real estate purchases. This innovative financial product offers distinct advantages and risks, and is subject to specific requirements and implications for lenders and borrowers.
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