Why Choose Captive Insurance?

Most enterprises start with coverages like deductible or self-insured portions of general liability, casualty, and workers' compensation losses. They can include first and third-party risks like management liability, environmental liability, professional liability, and extended warranty claims.

Fortune 500 companies, private companies, and non-profit organizations with captives are diverse in scale and risk profile. To address coverage concerns and better utilize your insurance program, rely on Forza Capital Advisors for help.

Our expertise is in captive insurance for small and medium businesses. We create client-focused solutions applicable to different market sectors, including:

Automotive
Construction
Energy
Healthcare
Manufacturing

Pharmaceutical
Retail
Technology
Telecommunications
Transportation

Advantages of Captive Insurance

Lower Insurance Costs

Forza Capital Advisors helps businesses achieve lower insurance costs through no profit loading and lower administrative costs.

Improved Cash Flow

By utilizing a captive, premiums and investment income are retained within the group, providing more flexible premium payment plans and direct cash flow advantage to the parent company.

Risk Retention and Management

A captive allows a company to manage and consolidate risks by increasing deductible levels and acting as a focus for risk management and risk financing activities of its parent organization.

Access to Reinsurance Market

Captives can access the reinsurance market, which operates on a lower cost structure than direct insurers, providing additional savings and benefits.

Access to Reinsurance
Market

Captives can access the reinsurance market, which operates on a lower cost structure than direct insurers, providing additional savings and benefits.

Better Control and Flexibility

Controlling underwriting, rates, forms, claim settlements, and investments allows businesses to tailor their coverage and policies to their needs.

Coverage Provision

Captives can provide coverage to the primary operating company and affiliated entities that are either cost prohibitive or unavailable in the marketplace.

Tax Advantages

Insurance companies receive special tax treatment that lets smaller captives be taxed only on their taxable investment income. IRS Section 831(b) and it allows for $2.2 million in premiums paid to the captive, are subject to 0% federal income tax rate on the captives underwriting profits.

Additional Benefits

Allocation of Costs to Business Units
Alternative Strategies for Dealing With Insurance Market Cycles
Coverage Customization for Hard-To-Insure or Emerging Risks
Creative Insurance Solutions
Financial Incentives for Loss Control

Start Partnering With Us

Reach out today to learn how Forza Capital Advisors can help you discover more benefits of captive insurance and find the right solution for your unique business needs.

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