Alternative risk, built to fit.
Some risks are better retained than transferred. We help insureds, groups and program administrators design captive and program structures that take control of their risk, then place the fronting and reinsurance capacity behind them.
Own the risk, fund it on your terms.
A captive is an insurance company formed to insure the risks of its owners. It lets a business or group of businesses retain predictable losses, access reinsurance markets directly, and recover underwriting profit that would otherwise go to a commercial carrier.
Captives also make it possible to cover exposures the traditional market excludes or prices poorly. Paired with fronting and reinsurance, they become the foundation for new programs and bespoke products.
From first analysis to bound capacity.
Captive Feasibility
Loss analysis, retention modeling and domicile review to determine whether a captive makes financial sense.
Fronting Arrangements
Access to rated fronting carriers that issue paper and cede risk back to the captive.
Reinsurance Placement
Stop-loss, quota share and excess reinsurance to protect the captive and support its capital.
Program Creation for MGAs
Designing new programs with MGAs and program administrators, from underwriting guidelines to capacity.
Parametric & Bespoke Products
Index-triggered and custom-built coverage for exposures the traditional market doesn’t address.
Have a program idea or a risk without a home?
Start a conversation →Captive construction and program creation.
Review loss history, exposures and objectives to test whether an alternative structure fits.
Define the structure, retention and coverage form, whether a captive, cell or new program.
Arrange fronting paper and place reinsurance across our market relationships.
Bind, launch and review the program annually as the book and market evolve.
Structures for owners, groups and program builders.
Businesses with stable loss experience looking to retain risk and reduce long-term cost.
Partners building a new product or seeking dedicated capacity for an existing book.