Captive Insurance Policies
At Forza Capital Advisors, we build custom captive insurance policies that deliver more control, fewer surprises, and long-term financial benefits.
Captive insurance gives businesses a powerful alternative to traditional coverage by putting control back in your hands. Instead of overpaying for rigid, carrier-driven policies, you gain the ability to structure coverage around your actual risks, claims history, and financial goals. At Forza Capital Advisors, our captive insurance solutions are designed to improve cost efficiency, increase transparency, and create long-term financial advantages. The result is an insurance strategy that works for your business today while supporting smarter risk management and stronger cash flow for the future.
Let’s talk about a smarter approach to risk management. At Forza Capital Advisors, we’ll help you assess your eligibility, design the right captive insurance structure, and unlock new savings and control.
Protect your business from unpredictable, high-cost medical claims with medical stop-loss captives. Our approach sets ceilings on claims while offering transparency and flexibility traditional health plans can’t. Gain control over your spend and retain more of your unused premium each year.
Don’t settle for bundled plans that don’t reflect your exposures. Forza’s property captive insurance and casualty captives let you design separate, customized policies for your buildings, equipment, and liability risks.
Say goodbye to overpaying for workers’ comp coverage that doesn’t reflect your workforce reality. Our workers’ comp captive structures allow you to take ownership of your claims, reduce overall costs, and build a more accurate pricing model over time.
With a general liability captive structure, your business can move beyond rigid commercial policies. Forza helps you design coverage that matches your risk profile, manages exclusions strategically, and gives you control over how and when claims are resolved.
Traditional cyber coverage rarely reflects today’s threat landscape. Our cyber captive insurance models let you prepare for ransomware, data breaches, and digital liabilities with policies built around your actual vulnerabilities. Stay protected without paying for inflated or unnecessary coverage.
What types of businesses qualify for captive insurance?
Businesses that spend at least $750,000 annually on insurance premiums and have stable cash flow often qualify. At Forza Capital Advisors, we guide you through a full feasibility study to see if you’re a fit for captive insurance.
How long does it take to set up a captive insurance structure?
Most captive insurance structures take a few months to design and implement. Forza manages the entire process, from design and domicile selection to compliance and setup, on your behalf.
Can I use a captive structure to insure multiple entities or subsidiaries?
Yes. Many businesses use captives to cover multiple subsidiaries under a single structure. Forza Capital Advisors can help you build a model that supports your broader organizational goals.