Forward looking brokers are beginning to embrace captives rather than fear them, recognising that these structures can enhance their value proposition instead of cannibalising it.

UK construction companies with annual revenues of £50 million to £1 billion face an increasingly volatile insurance market.

It’s not about how big your company is. It’s about how predictable, retainable, and financially manageable your risk is.

Captive insurance programs offer a powerful alternative. By retaining trade credit risk in a captive, companies gain greater flexibility, access to reinsurance markets, and the ability to stabilise working capital.

The captive model drives organisational accountability for risk, linking financial outcomes directly to cyber maturity.

The City of London, a global insurance hub, is poised to expand its offerings with a new onshore captive insurance regime.

Market dynamics have pushed many organisations to seek alternatives. Captives offer a way to stabilise costs over time and avoid the pricing rollercoaster of the open market.

Clients soon realise this isn’t just another insurance product. It’s a risk financing strategy that puts them in control, with long term benefits.

By retaining predictable, lower-severity risks within a captive, organisations avoid the frictional costs of commercial insurance

Technology is the final piece of the puzzle. While PCCs remove capital and compliance barriers, digital platforms remove workflow, transparency, and execution barriers.

Automation in captive feasibility isn’t just a productivity boost it’s a strategic enabler.

Captives are becoming a powerful tool for business to manage its risk

How a profitable captive can become a long-term strategic asset.