Casualty & Property Insurance Captives
Our property insurance captives help businesses create tailored coverage and keep more of what they pay. Flexible, cost-efficient protection starts with Forza Capital Advisors.
A Smarter Way to Insure Commercial Property
Commercial property costs have skyrocketed, and cookie-cutter plans don’t offer much flexibility. At Forza Capital Advisors, our property insurance captives help businesses lower costs and gain more control over risk exposure. Whether you’re protecting buildings, inventory, equipment, or physical assets, our structures are created around your needs.
Casualty Insurance Alternatives
Many commercial insurers bundle property and casualty, but captives let you split and manage each on your terms. This gives you flexibility to prioritize what really matters.
Wind, Fire, and Flood Protection
With a captive, your business can customize protection against high-risk exposures like windstorms, fire, and water damage. You choose the limits, deductibles, and coverage that fit.
Business Interruption and Loss of Income
Captives offer more adaptable policies for events that disrupt operations. You control the trigger points and recovery timelines, not an insurer with a one-size-fits-all plan.
Secure Your Building With Commercial Property Insurance
Forza helps businesses create captives that protect their buildings, operations, and balance sheets. We’ll guide you through forming the right captive structure, setting your terms, and creating reliable coverage.
Captives Structures Built for Property Risk
At Forza Capital Advisors, we offer both single-parent and group captives tailored for property insurance captives. If you pay $750,000 or more in annual premiums, our single-parent structure gives you full control over coverage, claims, and profit retention. Smaller business? Our group captives let you join forces with similar companies for shared risk and big savings.
FAQs About Our Property Insurance Captives
Can captives handle multiple property locations across states?
Yes. Forza designs property insurance captives that cover multi-site operations with consistent terms, streamlining compliance, claims, and policy management across your portfolio.
Do I need to bundle property and casualty in my captive?
Not at all. At Forza, we help you decouple policies to create a custom property-only plan, or combine with other coverages as needed.
What happens if I don’t hit my expected claims?
That’s the beauty of captives. Forza structures your policy so that unused premiums stay within your control, not your carrier’s. Those savings can be reinvested into your business.
