Guides

Captive insurance, explained with sources.

Plain-language guides to captive insurance for business owners: when a captive makes sense, how one is funded, and how it compares with the alternatives. Every figure is cited to a regulator, statute or actuarial source.

Guide 1Is a captive right for your business, yet?The three tests a captive has to pass: enough premium, steady losses, and capital to stand behind it.Read the guide →Guide 2How a captive is fundedClaim sizes, retention and the margin for bad years, with interactive charts of the actuarial method.Read the guide →Guide 3Captive, guaranteed cost, retro or large deductibleWho carries the bad year under each structure, with an interactive retro chart.Read the guide →Guide 4What a captive feasibility study coversWhat Vermont asks to see before it licenses a captive, and what it costs to run one.Read the guide →Guide 5Domiciles, capital and taxMinimum capital by captive type, premium tax, and a note on the IRS micro-captive rules.Read the guide →Guide 6Group captives and risk retention groupsSharing a captive with other businesses: how it differs and what it can cover.Read the guide →

These guides are general information about captive insurance. They are not insurance, legal or tax advice. Realtech is an independent consultancy and does not sell insurance.