Experience from the owner’s side
Our principal has helped establish captive and other risk-financing programs in prior in-house risk management roles.
Captive feasibility and setup
Captive Insurance Consulting
Find out whether a captive makes sense for your business before you commit capital. We review your premium and loss history, run the feasibility process with an actuary and captive manager, and help set up the program when the numbers support it.
- A straight answer on fit, including when a captive is the wrong move
- Feasibility study scoped and coordinated from your data to a decision
- Setup support through fronting, reinsurance and the regulatory application
- Led by a principal who has helped establish captive programs
- Licensed insurance broker: CA #6008364 · NV #4188928 · NJ #3002155313
Captive consultation
Request a captive consultation
Tell us about your business and we will follow up by phone or email to set up a conversation.
Prefer to talk? Call (925) 744-6553.
Your consultation request was received.
We will follow up by phone or email to set up a conversation. Having your premium by coverage line and several years of loss runs handy will make that first call more useful.
Who We Work With
Businesses that want to stop paying for other people’s losses
A captive lets a business fund part of its own risk and keep a share of the result when losses come in better than expected. It tends to be worth a closer look for trucking fleets, multi-location restaurant groups, franchise systems, contractors and auto dealers that have:
- Several years of loss history that beats their industry’s typical results
- Meaningful, stable premium across liability, auto or workers’ compensation
- A safety program with management attention behind it
- Capital to commit and a horizon of several years
If that is not you yet, we will say so, and help you build a traditional program that retains risk sensibly and creates the loss data a future captive study would need.
What We Do
From first conversation to a running captive
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1. Readiness review
We look at premium by line, several years of loss runs, your safety program, and how much capital and year-to-year swing you can accept. You get a plain answer on whether a feasibility study is worth commissioning.
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2. Feasibility study
We scope the study, assemble and organize the loss and exposure data, and bring in the actuary and captive manager who build the projections. Then we walk through the results with you: expected losses, required capital, operating costs, and how the program performs in good and bad years.
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3. Structure and domicile
We compare joining a cell or an established group captive with forming your own, and weigh domicile options against your risks and goals, with your tax advisor and attorney reviewing the choice.
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4. Setup
As a licensed broker, we market the fronting insurer and reinsurance. We coordinate the business plan and regulatory application with the captive manager and keep service providers, capital funding and policy issuance working from one plan.
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5. After launch
We stay involved at each renewal, reviewing fronting and reinsurance terms, loss results, and whether the program is still doing what it was formed to do.
Why Glacier Point
Advice from someone who has built these programs
An honest go or no-go
A feasibility process should be able to say no. When a traditional program fits better, we tell you before you spend on formation.
A broker who can place the program
We can market the fronting insurer and reinsurance a captive depends on, and handle the coverage that stays outside it.
Before We Talk
What to have ready
- Premium by coverage line for the current and prior policy years
- Loss runs for the last five years, if available
- Exposure details, such as fleet schedules, locations, payroll or revenue
- Current policies, deductibles and any collateral you already post
- A short summary of your safety and claims practices
None of it is required to start the conversation. Want the background first? Read our guide on how to set up a captive insurance company.
FAQ
Common questions
Is my business big enough for a captive?
There is no fixed threshold. Captives carry formation, management, audit, actuarial and fronting costs that are hard to justify on a small premium budget, and joining an existing group or cell captive lowers that bar. Your premium by line and loss history are the starting point for a real answer.
Do we have to form our own captive?
No. Many mid-size businesses start by renting a cell in an existing cell captive or joining an established group captive. Forming your own typically needs more capital and more governance. We compare the options against your numbers.
What does a captive feasibility study include?
Projected losses from your own data, required capital, operating and fronting costs, and how the program would perform in good and bad years. A sound study can also conclude that a captive does not fit.
Who performs the actuarial and captive management work?
Qualified actuaries and captive managers. We scope the work, organize your data, coordinate those specialists and your tax and legal advisors, and place the fronting and reinsurance as a licensed broker.
Find out whether a captive makes sense
Tell us about your business and we will set up a conversation about your premium, loss history and options.
Glacier Point Insurance Services, Inc. is a licensed insurance producer (CA #6008364 · NV #4188928 · NJ #3002155313), not an insurance company, actuary, tax advisor or law firm. Actuarial, captive management, tax and legal services are provided by qualified third parties. Any captive participation is subject to a feasibility study, regulatory approval and underwriting by the captive, fronting insurer and reinsurers. Nothing on this page is a promise that a captive will be available to your business or will reduce its costs.
Where a placement is made in the surplus lines (non-admitted) market, it is made in accordance with California surplus lines requirements, including a diligent search of the admitted market where required; surplus lines policies are not backed by the California Insurance Guarantee Association.