What is a Captive?
A captive insurance company is a subsidiary created by a parent company to provide insurance coverage for its own risks, allowing you to retain any potential underwriting profits and gain greater control over your insurance program.
Identical coverage, different incentives and economics
Traditional Insurance
- •All premium is retained by carrier
- •Risk pooled by carrier
- •Limited control over claims handling
- •Premiums can increase regardless of loss history
Captive Insurance
- •Premium retained by captive and directly to reinsurers
- •Greater transparency over claims and reserves
- •Self selecting risk pool of top operators with low loss histories
- •Premiums reflect your actual loss experience
Built by real estate owners, for real estate owners.
Real Financial Impact.
See how a Protected Cell Captive transforms your insurance economics.
Example: $1.1M Annual Premium - Commercial real estate portfolio with 20% loss ratio
Customize Your Scenario
Your Traditional Insurance
Your Protected Cell Captive
Tenant Legal Liability (TLL)
Tenant Legal Liability programs enable property owners with a captive to generate an additional, high-margin revenue stream by insuring tenant liability risk in-house. With typical margins near 80%, TLL can be easily embedded into lease structures, expanding the captive's underwriting base while offering tenants a simple, optional alternative to third-party policies.
How It Works.
From analysis to active management, we handle the complexity so you can focus on the benefits.
Feasibility Analysis
We analyze your insurance spend, loss history, and risk profile. This can be done on the intro call.
Pricing
We establish actuarially driven premiums based on your portfolio's loss history and risk profile.
Policy Issuance
Your captive begins issuing policies, and you start retaining underwriting profits immediately.
Active Management
Our team handles all regulatory compliance, claims management, and financial reporting.
Ready to Own Your Insurance?
Be among the first to join Real Property Captive and transform your insurance spend into owned equity. Our protected cell structure is designed to make captive insurance accessible to mid-sized real estate owners.
