How Group Captive Insurance Works (and Whether It’s Worth It)
A plain-English explainer of how a group captive works — who owns it, how members share results, and an honest read on whether it’s worth it.
Insights
Fundamentals
Plain-English explainers on captive insurance — the concepts that apply whether you are weighing a single-owner micro-captive or a member-owned group captive.
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How Much Does It Cost to Start a Captive? An Honest Breakdown of the Cost Categories
What it really costs to start a captive — broken down by category, why the number varies, and why an honest answer needs a feasibility study.
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Is Captive Insurance Worth It? When It Makes Sense (and When It Doesn’t)
When captive insurance is worth it — and when it isn’t. A decision-stage guide to weighing fit and the whole cost of risk, not a tax result.
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Questions to Ask Before Choosing a Captive Manager
The questions to ask a prospective captive manager — and what a sound answer sounds like versus an evasive one. How to vet who you hire.
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Questions to Ask Before Starting an 831(b) Captive
The readiness questions to ask yourself — and the red flags to watch for in how an 831(b) captive is pitched to you — before you form anything.
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What Actually Happens in a Captive Feasibility Study
What a captive feasibility study actually analyzes — your risk, the structure, the economics — and the written answer you walk away with, yes or no.
