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Captivating Thinking
Knowledge is power. That’s why we’re always looking to educate business owners on the best practice when it comes to Captive Management. But we also want to give you the resources you need to guide you through the risk management process. In the CIC Services Knowledge Center, you can:
- Read about CIC in the news
- Learn about industry standards
- Stay up-to-date on upcoming events
Explore these resources and equip yourself for the future!

California Universities Captive Insurance Program Steeped In Innovation
Ironically, one of the largest captive insurance programs in the United States serves the University of California system with its 10 universities, 5 medical systems and 3 National laboratories. The University of California Regents Captive Insurance Company, Fiat Lux Risk and Insurance Company has over $1.2 billion in assets and receives $980 million in insurance […]

Don’t Miss The Boat – Great Charts On The Captive Insurance Industry
It’s quite disconcerting to “miss the boat,” so to speak. And, this adage is particularly true for many mid-market and small businesses that would benefit immensely from owning their own insurance company – known as a captive insurance company (CIC) – but have yet to embark on this powerful course to improve risk management and […]
Ram Patel Joins CIC Services, Deepening Its Analytical Bench Strength
A changing economy, emergence of unique risks and political change made 2016 a particularly surprising year. This was the kind of year that highlighted the importance of unique approaches to risk management and risk financing. As a captive insurance company manager, CIC Services has been working on increasingly complex risk financing structures tailored to help […]

Tax Avoidance Is Perfectly Legal And May Be The Difference Between Thriving Or Going Out Of Business
Originally published on April 18, 2017 It’s Tax Day, and millions of Americans are mailing checks to the U.S. Treasury. I thought about this as I talked with a successful business owner this Spring who is considering forming a captive insurance company to help lower total insurance costs and provide better risk management flexibility. […]
US Inspector General Finds that IRS Intentionally Targeted Law Abiding Small Businesses Rather Than Known Criminals Because the Former Couldn’t Defend Themselves
The Internal Revenue Service (IRS) would like us to believe that its enforcement actions targeting captive insurance companies are intended to penalize the industry’s “bad actors.” But…is that really the Service’s objective? Or is it something more sinister? Over the last many years the IRS used this “bad actor” logic to justify many unseemly things, […]
Captivating Thinking
Knowledge is power. That’s why we’re always looking to educate business owners on the best practice when it comes to Captive Management. But we also want to give you the resources you need to guide you through the risk management process. In the CIC Services Knowledge Center, you can:
- Read about CIC in the news
- Learn about industry standards
- Stay up-to-date on upcoming events
Explore these resources and equip yourself for the future!

California Universities Captive Insurance Program Steeped In Innovation
Ironically, one of the largest captive insurance programs in the United States serves the University of California system with its 10 universities, 5 medical systems and 3 National laboratories. The University of California Regents Captive Insurance Company, Fiat Lux Risk and Insurance Company has over $1.2 billion in assets and receives $980 million in insurance […]

Don’t Miss The Boat – Great Charts On The Captive Insurance Industry
It’s quite disconcerting to “miss the boat,” so to speak. And, this adage is particularly true for many mid-market and small businesses that would benefit immensely from owning their own insurance company – known as a captive insurance company (CIC) – but have yet to embark on this powerful course to improve risk management and […]
Ram Patel Joins CIC Services, Deepening Its Analytical Bench Strength
A changing economy, emergence of unique risks and political change made 2016 a particularly surprising year. This was the kind of year that highlighted the importance of unique approaches to risk management and risk financing. As a captive insurance company manager, CIC Services has been working on increasingly complex risk financing structures tailored to help […]

Tax Avoidance Is Perfectly Legal And May Be The Difference Between Thriving Or Going Out Of Business
Originally published on April 18, 2017 It’s Tax Day, and millions of Americans are mailing checks to the U.S. Treasury. I thought about this as I talked with a successful business owner this Spring who is considering forming a captive insurance company to help lower total insurance costs and provide better risk management flexibility. […]
US Inspector General Finds that IRS Intentionally Targeted Law Abiding Small Businesses Rather Than Known Criminals Because the Former Couldn’t Defend Themselves
The Internal Revenue Service (IRS) would like us to believe that its enforcement actions targeting captive insurance companies are intended to penalize the industry’s “bad actors.” But…is that really the Service’s objective? Or is it something more sinister? Over the last many years the IRS used this “bad actor” logic to justify many unseemly things, […]
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