A large specialty construction company, partnered with C.I. to secure $5 million in excess liability coverage above a $15 million primary layer. The client retains over $2.5 million in gross written premium (GWP) within their captive while satisfying lender requirements. With a 0% historical loss ratio in this excess layer, the client now retains underwriting profits that were previously absorbed by commercial insurers.
The captive insurance industry continues to experience significant transformations in 2025, driven by technological advancements, regulatory changes, and market expansion. At the forefront of these developments is the integration of Artificial Intelligence, which will drive additional growth and increase the bandwith of nearly all firms. Artificial intelligence is being leveraged to analyze data, identify claims trends, and predict potential risks, while blockchain technology enhances transparency, security, and efficiency in policy administration and claims processing. Big data analytics provide deeper insights into risk profiles, enabling data-driven decision-making that optimizes risk management strategies.
The U.S. economy today faces conditions that echo certain aspects of the 2008 financial crisis, yet it also exhibits significant differences. Examining how the U.S. property and casualty (P/C) insurance market performed during both periods offers important insights into navigating current challenges.
The CICA 2025 International Conference, themed "Captives—Better Solutions for Tomorrow's Risks," took place from March 9 to 11, 2025, at the JW Marriott Starr Pass Resort & Spa in Tucson, Arizona. This event brought together over 700 captive and risk management experts, including captive owners, potential captive owners, captive managers, risk managers, domicile regulators, and service providers. C.I. was represented by Nate Reznicek, Joe McDonald, and Luke Renz. Here are some key details and highlights from the conference:
Captives.Insure is launching a new group captive insurance program tailored specifically for Amazon Delivery Service Partners (DSPs). This best-in-class solution offers DSPs an opportunity to take control of their insurance program while securing coverage on A XIV AM Best Rated paper.
The insurance industry has undergone significant transformation in response to the escalating frequency and severity of extreme weather events. As climate change intensifies natural disasters—from wildfires and hurricanes to floods and heatwaves—insurers are recalibrating risk models, revising coverage strategies, and innovating products to maintain solvency while addressing societal needs. Captive insurance, in particular, has emerged as a critical tool for businesses and governments to bridge coverage gaps, stabilize costs, and build resilience against climate-driven losses. This report synthesizes the industry’s multifaceted adaptations, with a focus on how captive structures are reshaping risk management in an era of heightened volatility.
As we are nearly halfway through February 2025, the property and casualty insurance landscape continues to evolve, presenting both challenges and opportunities for insurers and policyholders alike. The market has shown signs of softening in some areas, with global commercial insurance rates declining for the second consecutive quarter. Property insurance rates, in particular, have seen a modest decrease, dropping by 3% globally and 4% in the U.S. However, the casualty insurance sector tells a different story, with rates climbing by 4% globally and a more substantial 7% in the U.S.
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