Capvartis

Login

Contact

Capvartis

Login

Contact

Why Use a Captive?

Why Use a Captive Instead of Retaining Risk on the Balance Sheet?

Get Started

Why Use a Captive?

Why Use a Captive Instead of Retaining Risk on the Balance Sheet?

Get Started

Why Use a Captive?

Why Use a Captive Instead of Retaining Risk on the Balance Sheet?

Get Started

Discipline and Structure

Discipline and Structure

A captive brings underwriting discipline to retained risk. Instead of absorbing unpredictable losses through a companies cash flow and balance sheet, you can build premium reserves, sets clear limits, and manages claims just like a commercial insurer.


A captive brings underwriting discipline to retained risk. Instead of absorbing unpredictable losses through a companies cash flow and balance sheet, you can build premium reserves, sets clear limits, and manages claims just like a commercial insurer.


Improve Cost of Risk

Improve Cost of Risk

A company with risks that have consistently low loss activity, traditional insurance often means overpaying for risks that rarely materialises. By identifying these low frequency exposures and placing them into a captive, businesses can stop “donating” premium to insurers and instead retain that margin within their own structure. A captive allows you to transform underutilised premium into surplus, investment income, and long-term financial stability turning risk management from a sunk cost into a strategic asset.


A company with risks that have consistently low loss activity, traditional insurance often means overpaying for risks that rarely materialises. By identifying these low frequency exposures and placing them into a captive, businesses can stop “donating” premium to insurers and instead retain that margin within their own structure. A captive allows you to transform underutilised premium into surplus, investment income, and long-term financial stability turning risk management from a sunk cost into a strategic asset.


Regulatory and Tax

Regulatory and Tax

In many jurisdictions, premium payments to a captive can be tax deductible, and claims paid are not subject to the same accounting volatility as direct losses absorbed on the balance sheet.



In many jurisdictions, premium payments to a captive can be tax deductible, and claims paid are not subject to the same accounting volatility as direct losses absorbed on the balance sheet.



Get Started

Capital Efficiency

Capital Efficiency

Capital held within a captive can be invested and earn returns while being available for claims rather than sitting idle as general reserves.



Capital held within a captive can be invested and earn returns while being available for claims rather than sitting idle as general reserves.



Captives and the limits of Commercial Insurance.

Captives and the limits of Commercial Insurance.

Captives can also fill critical gaps left by today’s commercial insurance market:

Get Started

Get Started

Learn More

Removing or Replacing Policy Exclusions

Removing or Replacing Policy Exclusions

Many commercial policies exclude high risk exposures (e.g., cyber, reputational harm, pandemic risk). A captive can be used to write coverage specifically for these exclusions providing protection where the market won’t.

Reducing the Impact of High Deductibles

Reducing the Impact of High Deductibles

With rising premiums and higher deductibles, companies are forced to retain more risk. A captive can act as a deductible reimbursement vehicle, smoothing out cash flow and reducing volatility from frequent mid-sized losses.


Custom Coverage

Custom Coverage

Captives offer flexibility to design policies that match your actual exposures not a one size fits all commercial template.

Stability through Market Volitility

One of the most strategic advantages of a captive is its ability to buffer against commercial market cycles. In times of hard markets when premiums surge and underwriting appetite tightens captives allow companies to maintain coverage continuity and avoid unpredictable pricing swings. By retaining more risk within a controlled structure, organizations gain pricing stability, greater negotiation power, and long-term insulation from market volatility. This makes captives not just a tactical risk solution, but a long-term strategic asset.

FAQ

What is a captive, and how is it different from traditional insurance?

A captive is a licensed insurance company created by a business to insure its own risks. Unlike traditional insurance where premiums are paid to a third-party insurer, a captive allows you to retain underwriting profits, gain better control over claims, and tailor coverage to your unique risk profile. It’s a strategic alternative that can lower costs, improve risk visibility, and create long-term financial value.

Is a captive only for large corporations?

Not anymore. While captives were once reserved for Fortune 500 companies, Capvartis has made them accessible to mid-sized businesses across a wide range of industries. Our CaptiveIQ platform streamlines the process and provides access to ready-made structures, so you can benefit from a captive without the overhead or complexity.

How does Capvartis make the captive process easier?

Capvartis combines AI-powered feasibility analysis, jurisdictional benchmarking, and real-time financial modeling—all within a single platform. We eliminate the need for multiple consultants, spreadsheets, and months of back-and-forth. And once you’re ready to move forward, we provide access to a global network of turnkey captive structures so you can launch quickly and compliantly.

What is a captive, and how is it different from traditional insurance?

A captive is a licensed insurance company created by a business to insure its own risks. Unlike traditional insurance where premiums are paid to a third-party insurer, a captive allows you to retain underwriting profits, gain better control over claims, and tailor coverage to your unique risk profile. It’s a strategic alternative that can lower costs, improve risk visibility, and create long-term financial value.

Is a captive only for large corporations?

Not anymore. While captives were once reserved for Fortune 500 companies, Capvartis has made them accessible to mid-sized businesses across a wide range of industries. Our CaptiveIQ platform streamlines the process and provides access to ready-made structures, so you can benefit from a captive without the overhead or complexity.

How does Capvartis make the captive process easier?

Capvartis combines AI-powered feasibility analysis, jurisdictional benchmarking, and real-time financial modeling—all within a single platform. We eliminate the need for multiple consultants, spreadsheets, and months of back-and-forth. And once you’re ready to move forward, we provide access to a global network of turnkey captive structures so you can launch quickly and compliantly.

What is a captive, and how is it different from traditional insurance?

A captive is a licensed insurance company created by a business to insure its own risks. Unlike traditional insurance where premiums are paid to a third-party insurer, a captive allows you to retain underwriting profits, gain better control over claims, and tailor coverage to your unique risk profile. It’s a strategic alternative that can lower costs, improve risk visibility, and create long-term financial value.

Is a captive only for large corporations?

Not anymore. While captives were once reserved for Fortune 500 companies, Capvartis has made them accessible to mid-sized businesses across a wide range of industries. Our CaptiveIQ platform streamlines the process and provides access to ready-made structures, so you can benefit from a captive without the overhead or complexity.

How does Capvartis make the captive process easier?

Capvartis combines AI-powered feasibility analysis, jurisdictional benchmarking, and real-time financial modeling—all within a single platform. We eliminate the need for multiple consultants, spreadsheets, and months of back-and-forth. And once you’re ready to move forward, we provide access to a global network of turnkey captive structures so you can launch quickly and compliantly.

Want more information?.