A recent New Jersey Supreme Court case highlights an important lesson for medical practices: having insurance does not always mean you’re fully protected.

We’re honored to share that CIC Services has once again been recognized as Highly Commended for Captive Manager of the Year in the Captive Review US Captive Awards 2026. This recognition reflects our ongoing commitment to helping businesses take greater control of risk through innovative captive insurance strategies and exceptional client service. Receiving this distinction […]

Business risk has become a financial planning issue, not just an operational concern.

Christopher Gallo will transition from his role as managing director after six years with the firm to pursue an independent captive insurance consulting venture. The firm continues to serve clients nationwide in the design and management of disciplined captive insurance programs focused on long-term liquidity and regulatory compliance. “I am very blessed for having the […]

Most financial risks develop gradually. Demand softens, costs rise, and markets signal change before balance sheets reflect it. Policy decisions operate differently. Legislative and regulatory changes can reshape cost structures, incentives, and investment assumptions almost immediately, often before finance teams can adjust forecasts or pricing.