So you want to start a captive?

With over 30 years in creating unique and successful captives we have learned a thing or two about the process. Our experience translates to an easy to follow path.

So you want to start a captive?

Should you create one,
or use our facility

insureCap gives you options. Whether you want to create your own captive or leverage the benefits of insureCap’s Captive Facility, we have the solution for you. By renting, you have easy access to the benefits of the insurance structure without the time, cost and long term commitment required when forming and owning a captive.

Own Your Captive

  • You are ready to make a long-term commitment, invest required statutory capital, comfortable with a domicile, and to allocate the resources to own an insurance company.
  • You want to have additional freedom to customize your insurance program and be free of any restrictions that a rented captive may impose on you.
  • You just like the idea of owning better.

Use our Facility

  • Speed: Plug & Play ready; Easy in, easy out. It’s a fast and low-cost access to a captive with the flexibility to exit when ready.
  • Commitment flexibility. The insurance market is cyclical. If your interest is shorter term, with an uncertain commitment to retain risk when the marketplace becomes more competitive, our facility should be considered.
  • Allows you to exit without penalty, while an owned facility will require ongoing cost and maintenance until you dissolve your ownership.
  • No statutory capital. If you form an insurance company, you need to capitalize it according to the rules of the jurisdiction in which it is formed.
  • Lower operating costs. Annual operating costs are lower in our facility due to economies of scale. Why? insureCap’s Facility has actuarial, audit, legal, regulatory, and similar overheads being performed for the overall facility with costs spread across all participants.

Our Process
Makes it Painless

WIth over 30 years in creating unique and successful captives we have learned a thing or two about the process. Our experience translates to an easy to follow path.

Captive Viability

Before you embark on the journey, we want to make sure it is worth it. We will work with your existing insurance data to determine whether a captive is a viable solution for your business.


Feasibility and Design

Comprehensive analysis will include review of the proposed risk to be underwritten, premium ranges and costs and a determination of the capitalization and reserves required. Any fronting or reinsurance will also be secured at this time.

State Application

Applications for Insurance Company formation will be submitted to the insurance commissioner for domicile and corporate approval.


Fuel Up and Launch

It is time to capitalize your Captive and begin writing insurance with our automated insurance system. Our capitalization financing makes it easier than ever to fill your rocket with plenty of fuel.

Is a Captive Viable? Use insureCap’s Calculator

Captives are a great risk management tool, but sometimes it may not be the best solution. The first step in our process is to figure out if a captive is a viable solution for you.
Captive Viability Test