Own Your Insurance.
Turn Unused Premiums Into Dividends.
Insurance Captive Exclusively Designed for
$100M to $3B Real Estate Portfolios
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.
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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.
You manage your properties with precision. Shouldn't your insurance reward that performance?
Unjustified Premiums
Your premiums may 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, 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 are establishing 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 the captive cell and the panel of reinsurers.
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.
Claims Department that Works for You
Claims in the captive are handled by a licensed third-party administrator selected by the captive's members to pay claims. Unlike a carrier's claims department, which may have an incentive to make the claims process difficult, our claims department is voted on by our members to act in their best interest.
Global A.M. Best A-Rated Carriers Back the Catastrophic 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
$500K - $10MM
Current commercial property and general liability spend between $500K and $10MM
Total Insured Values
$250M - $3B
Total insured values ranging from $250 million to $3 billion
We're Real Estate Owners Ourselves.
We are building this structure to solve the problems we face as scattered-site owners: constant premium hikes, lack of control, and no return on good performance. Our PCC is designed to level the playing field by giving mid-sized owners access to institutional insurance economics. The more owners that join our program, the lower we can negotiate our 3 main costs: reinsurance, fronting fees, captive administration.
target annual premium per member
ideal client insured value portfolios
fronting and reinsurance carriers
Identical coverage, different incentives and economics
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 A.M. Best rated insurance company ("fronting carrier") that issues policies & certificates of insurances (C.O.I's) on its behalf and then reinsures most or all of the risk back to the captive. These allow for your captive to adhere to even the most stringent of lender requirements.
Captive Administration:
The management and operational services required to run a captive insurance company, including accounting, compliance, claims coordination, policy issuance, and annual regulatory reporting with the state's department of insurance.
Schedule Your Meeting.
Find out how captive insurance for real estate owners can work for your portfolio.