A formal feasibility study is the mandatory first step for any Canadian organization evaluating a captive structure. This objective data analysis models your historical claims, evaluates premium-to-capital ratios, and determines whether an authorized domicile (such as British Columbia or Alberta) delivers a financial advantage over the traditional commercial insurance market.
Comprehensive gathering of historical loss data, current premium spend, coverage specifications, and organizational risk tolerance parameters.
Independent actuarial professionals model expected losses, develop funding projections, and stress-test scenarios across multiple risk profiles.
Assessment of domicile options, jurisdictional compliance requirements, and tax implications across both provincial and federal landscapes.
A definitive go/no-go recommendation supported by financial models, risk quantification, and a proposed implementation roadmap.
A properly executed feasibility study is not simply a regulatory prerequisite — it is the strategic cornerstone upon which your entire captive program is built. Without this rigorous foundation, organizations risk misaligned capitalization, unforeseen regulatory exposure, and suboptimal risk transfer outcomes.
A comprehensive feasibility study takes 8–12 weeks, depending on data complexity and the number of risk lines under evaluation.
We project multi-year financial outcomes comparing captive vs. traditional insurance to quantify your potential savings and investment income retention.
Every insurable risk is catalogued, measured, and evaluated for suitability within a captive structure, including emerging and hard-to-place exposures.
Head-to-head comparison of Canadian domiciles — British Columbia, Alberta, and offshore alternatives — based on your unique corporate profile.
Early identification of regulatory hurdles, governance requirements, and reporting obligations ensures a smooth path from feasibility to formation.
Let us conduct a thorough, unbiased analysis of your risk portfolio and deliver a clear recommendation — with zero obligation.