Our Services
Comprehensive expertise for the entire lifecycle of a captive insurance entity, tailored for the Canadian market.
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Feasibility Studies
Establishing a captive starts with a rigorous assessment of viability. We analyze your historical loss data and current premium spend to determine if a captive can provide a lower total cost of risk. Our studies evaluate potential tax benefits, capital requirements in domiciles like British Columbia or Alberta, and the long-term financial impact on your organization’s balance sheet.
Captive Formation & Structuring
We manage the heavy lifting of the setup process. This includes selecting the optimal legal structure—whether it be a single-parent captive, a group captive, or a cell structure. We guide you through the incorporation process, prepare the business plan for regulatory approval, and handle the formal licensing applications with the relevant authorities in Canada, the US, or offshore domiciles.
Captive Management
A captive is a regulated insurance company that requires professional oversight. Our management services ensure you remain in good standing with regulators. We provide comprehensive administration, including maintaining corporate records, managing board meetings, ensuring regulatory compliance, and overseeing financial reporting and audit coordination.
Risk Assessment and Insurance Program Design
We go beyond traditional brokerage by evaluating your company’s unique risk profile to design custom insurance programs. We help you decide which risks to retain within the captive and which to transfer to the reinsurance market. This tailored approach allows you to cover "uninsurable" risks or those that are prohibitively expensive in the commercial market.
Actuarial Analysis & Consulting
Data is the backbone of any captive. Our actuarial partners provide the necessary support to determine appropriate premium levels, loss reserves, and capital requirements. We perform loss projections and sensitivity analyses to ensure your captive remains solvent and has sufficient capital to meet both its obligations and regulatory requirements.
Ongoing Operational Support
Success lies in the daily execution. We assist with day-to-day operations, including underwriting individual policies, coordinating claims management and adjustments, and providing strategic advisory services. As your business grows, we help you adapt your captive’s strategy to ensure it continues to serve as an efficient risk-financing vehicle.