Guaranteed cost insurance is the right structure for most businesses, and it stays right up until the day it quietly is not. There is no letter in the mail when that day comes. There are signs. Here are the ten…

Since 2023, Iowa has licensed captive insurance companies. That sentence sounds like regulatory trivia, and for most states it would be. For a state with Iowa’s insurance heritage, it is a real development, and it changes a conversation that Iowa…

With a deductible, the carrier pays the claim from dollar one and collects reimbursement from you afterward. With a self-insured retention, your business pays the claim itself until the retention is exhausted, and the policy only responds above that point.…

A group captive is a licensed insurance company owned by the businesses it insures. Each member funds a layer for its own predictable losses, the members share a layer above it, and reinsurance caps the structure. The underwriting profit and…

A group captive does not make sense when your casualty premium is under roughly $250,000, when your losses swing on severity instead of running predictable, or when your business cannot commit to a five-to-seven-year horizon. Plenty of brokers will not…