Captive Solutions for Businesses Ready to Take Control of Their Risk

Traditional insurance doesn’t always serve growing, profitable companies well — especially those with predictable risks & good safety practices. An 831(b) captive allows you to retain underwriting profit, take control of how you finance risk, and build long-term value. We help you determine if a captive makes sense, structure it responsibly, and manage it the right way.

How It Works

  • Discovery & Feasibility

We analyze your current coverage, losses, premiums, and financial performance to evaluate whether a captive is a viable strategy.

  • Education & Evaluation

We walk you through how captives work — the risks, the benefits, the obligations — and answer every question so you can make an informed decision.

  • Design & Setup

If you move forward, we help structure the captive plan, coordinate service providers, and align coverage with your retained risks.

  • Ongoing Support

We stay involved as your business and risk profile evolve — helping you adjust the structure, measure outcomes, and maintain compliance.

What We Provide

Our Captive Solutions Include:

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Feasibility Assessment

We evaluate your risk profile, premium levels, and financials to determine if a captive is a viable fit.

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Captive Formation Strategy

If appropriate, we guide you through structuring your captive entity, selecting service providers, and aligning it with your financial goals.

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Policy & Coverage Design

We help you define which risks are best retained, and structure policies accordingly — including low-frequency, high-severity exposures not typically covered by commercial markets.

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Regulatory & Compliance Guidance

We work with your legal & accounting advisors to ensure compliance with IRS guidelines, captive regulations, and proper governance standards.

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Ongoing Captive Oversight

Once formed, we help manage and monitor your captive performance, coordinate with captive managers, and adapt as your business grows.

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Commercial Integration Support

We ensure your captive complements your traditional insurance — not competes with or duplicates it — so you have a balanced, coordinated risk strategy.

Captives May Be a Fit If…

  • Your business is consistently profitable


  • You pay $500K+ annually in commercial premiums

  • You’ve maintained strong risk control or low claims history

  • You have risks that are underinsured, self-insured, or uninsured today

  • You want to explore how to retain more risk & potentially reduce total cost over time


We primarily support privately held, mid-market companies — including manufacturers, distributors, professional services firms, and others with complex but manageable risk profiles.

Frequently Asked Questions

  • What is an 831(b) captive, in simple terms?

    An 831(b) captive is a small insurance company you create and control. Instead of paying premiums to a traditional carrier, you pay those premiums to your own captive. If your claims are low, the profit stays with your company — not the insurer. It’s a legal, regulated form of self-insurance for risks that are often underinsured or difficult to place.

  • Is this a tax strategy?

    Captives do have tax benefits — primarily the ability to exclude premium income from federal taxation under the IRS 831(b) election (up to the current annual limit). But we do not promote captives solely for tax savings. The primary value comes from risk management, control, and long-term financial strategy. We always recommend involving your CPA or tax advisor in evaluating this approach.

  • What kind of risks go into a captive?

    Captives are best used for lower-frequency, higher-severity risks — things that don’t happen often, but could be expensive when they do. Examples include supply chain interruption, reputational harm, product recall, loss of key talent, cyber gaps, or regulatory fines. You can also retain a layer of standard risks like general liability or property damage.

  • Can I eliminate my commercial insurance with a captive?

    No. A captive is not a replacement — it’s a complement. We help you build a hybrid program where your captive covers certain layers of risk and your commercial policies cover others. Done right, the two work together to reduce volatility and cost.

  • How much does it cost to set up a captive?

    It varies based on complexity, service providers, and location of the captive. Many captives cost between $30,000–$60,000 annually in setup and operating costs. That’s why they’re best suited for businesses already paying significant premiums — where the opportunity for retention and control outweighs the admin cost.

  • What are the risks of using a captive?

    Captives require ongoing management, regulatory compliance, and financial discipline. If misused — for example, as a pure tax shelter — they can trigger IRS scrutiny. That’s why it’s important to work with experienced professionals and to structure your captive around real risk, not artificial loopholes. We guide our clients with transparency and compliance in mind from the start.

Let’s Talk About What’s Next for Your Business

Whether you're rethinking your coverage, your leadership, or your direction — we’re here to help.

Start a conversation & explore what’s possible with a partner who sees the big picture.

Ready to Explore Whether our Captive Solutions Are Right for You?

We don’t push captives — we help you evaluate them honestly.

 Let’s talk about whether this strategy makes sense for your business, and if it does, how to build one the right way.