Own Your Insurance.
Recapture Your Premiums.
Leverage the same insurance framework used by 90%+ of Fortune 500 companies and Multi-Billion-Dollar Real Estate Owners to convert your insurance spend into owned equity, secured by A-rated carriers.
Stop Paying for a Broken System.
Every year, you spend six or seven figures on insurance and get nothing in return for running a clean, low-loss ratio portfolio. Traditional carriers pool you with high-risk owners, raise your premiums unjustifiably, and keep the profits your performance generates while leaving you hesitant to file a claim that could push rates even higher. On top of all of this, Brokers Skim 10 - 15% of every premium dollar paid.
You manage your properties with precision. Shouldn't your insurance reward that performance?
Unjustified Premiums
Your premiums rise regardless of how well your portfolio is managed. Carriers group you with high-risk owners and call it market conditions.
Vanishing Capital
Every premium dollar leaves your balance sheet. Even when you rarely file claims, profits go to carriers and brokers, never back to you.
Opaque Claims
When you submit a claim, it doesn't get resolved easily. You're left guessing how much was reserved, what was paid, and why.
Misaligned Incentives
Your insurer profits when your costs go up. There's no reason for them to reward good performance or efficiency.
The Real Property Captive Advantage.
We have established a Protected Cell Captive Insurance Company (PCC) built specifically for low-loss-ratio, scattered-site real estate portfolios, providing owners with the control, transparency, and financial upside of insuring their own risk.
A-Rated Carriers Issue the Policies
Your insurance certificates come from top-rated carriers, ensuring full lender compliance. These carriers "front" the policy, then transfer the risk to your captive cell through reinsurance.
Independent Actuaries Set the Rates
Premiums are calculated by licensed actuaries and reviewed by our captive management, legal, and regulatory teams, ensuring every policy meets state insurance standards and capital requirements.
Your Portfolio, Your Performance
Your premiums flow into your protected cell, legally segregated from all others. Reserves stay in your account, growing with each low-loss year.
Global Reinsurers Back the Big Risks
To protect against large losses, your captive buys reinsurance from global carriers, covering major events while keeping your retained layer small and predictable.
Is This Right for Your Portfolio?
Our Protected Cell Captive is designed for sophisticated real estate organizations that meet these specific criteria.
Portfolio Diversification
No single asset > 10%
No single asset representing more than 10% of total portfolio value
Loss Performance
Below 30%
Annual loss ratios below 30%
Insurance Spend
$1M - $3M
Current commercial hazard and general liability spend between $1–3 million
Total Insured Values
$250M - $1B
Total insured values ranging from $250 million to $1 billion
We're Real Estate Owners Ourselves.
We built this structure to solve the problems we faced as scattered-site owners: constant premium hikes, lack of control, and no return on good performance. Our PCC levels the playing field by giving mid-sized owners access to institutional insurance economics. The more owners that enter our program, the lower we can negotiate our 3 main costs: reinsurance, fronting fees, captive administration.
target annual premium across all cells
ideal client insured value portfolios
fronting and reinsurance carriers
Key Terms
Reinsurance:
Insurance purchased by the captive from another insurer to transfer or share part of its risk exposure, protecting against large or catastrophic losses.
Fronting Fees:
Payments made by a captive to a licensed insurance company ("fronting carrier") that issues policies on its behalf and then reinsures most or all of the risk back to the captive.
Captive Administration:
The management and operational services required to run a captive insurance company, including accounting, compliance, claims coordination, policy issuance, and regulatory reporting.
