With the hardening insurance market, business owners are looking at all avenues to maintain profitability. A captive insurance company has the potential to be a great solution. Even with low loss experience, businesses are not necessarily seeing lower premiums. This story is true for many lines of coverage including general liability, workers’ compensation, and automobile...Read More

With the Affordable Care Act looming and companies facing upwards of 50% premium increases, business owners are looking for ways to keep profits and stay in compliance. So, do you have options? Yes. If a business is no longer comfortable with the premium level set by the insurer, it may be time to discuss a...Read More

Yes, a Captive Insurance Company provides an elegant and tax efficient tool for profitable mortgage bankers to reserve against the risk of being forced to buy back mortgages due to default or fraud by applicants or brokers. Let’s go back a few years to understand why this structure is important. Following the real estate market downturn...Read More

Did you know Delaware is one of the fastest growing captive domiciles in the world?  We just returned from the Delaware Captive Insurance Association’s Fall Forum where Delaware was voted the 2013 top onshore captive domicile of the year.   Recognized as a “well-regulated domicile” that “continues to stay innovative”, Delaware is an increasingly attractive...Read More

Why is it a good idea to fund employee benefits through a captive insurance program? The simple answer is that it’ll get you the data you need to save money for your company. As this Business Insurance article explains, captive structures can temper rising medical costs by giving employers access to employee medical data they...Read More