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Looking to read about ways we are serving the business community through the innovative use of captive insurance companies? If CIC Services is in the news, you’ll be able to read it here. Check out where we’ve made the most recent headlines below.
The most influential force shaping corporate performance in 2025 is no longer macroeconomics or market demand. It is state policy. Rapid changes in labor rules, privacy laws, environmental mandates, and ESG requirements are quietly reshaping cost structures across industries. Nearly one-third of companies report financial losses tied to regulatory or legislative change, yet fewer than […]
Cyber insurance has long been viewed as a dependable backstop against digital disruption. But that certainty is eroding. By 2026, organizations will face a cyber insurance market defined more by exclusions and ambiguity than by predictable protection.
Every company relies on a network of people and partners that quietly sustains its balance sheet, key employees, crucial suppliers, and major customers. Yet when one link in that chain fails, the financial impact can be immediate and far-reaching.
Since 1976, the United States has endured more than ten government shutdowns, each one a stark reminder that political stalemates don’t just halt Washington, they ripple through the entire economy. The 2025 shutdown, now in progress, is no exception. Nearly 750,000 federal workers have been furloughed, and economists estimate that each week of closure could […]
Rising insurance costs are putting added pressure on restaurants and bars already squeezed by higher food and labor expenses. But for many operators, the problem isn’t just inflation, it’s misclassification.
Looking to read about ways we are serving the business community through the innovative use of captive insurance companies? If CIC Services is in the news, you’ll be able to read it here. Check out where we’ve made the most recent headlines below.
The most influential force shaping corporate performance in 2025 is no longer macroeconomics or market demand. It is state policy. Rapid changes in labor rules, privacy laws, environmental mandates, and ESG requirements are quietly reshaping cost structures across industries. Nearly one-third of companies report financial losses tied to regulatory or legislative change, yet fewer than […]
Cyber insurance has long been viewed as a dependable backstop against digital disruption. But that certainty is eroding. By 2026, organizations will face a cyber insurance market defined more by exclusions and ambiguity than by predictable protection.
Every company relies on a network of people and partners that quietly sustains its balance sheet, key employees, crucial suppliers, and major customers. Yet when one link in that chain fails, the financial impact can be immediate and far-reaching.
Since 1976, the United States has endured more than ten government shutdowns, each one a stark reminder that political stalemates don’t just halt Washington, they ripple through the entire economy. The 2025 shutdown, now in progress, is no exception. Nearly 750,000 federal workers have been furloughed, and economists estimate that each week of closure could […]
Rising insurance costs are putting added pressure on restaurants and bars already squeezed by higher food and labor expenses. But for many operators, the problem isn’t just inflation, it’s misclassification.
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Businesses who implement ERM programs combined with a captive to plan for unforseen risks stand a better chance of surviving, and passing to the next generation.
Captive owners can leverage their ERM and captive programs to improve their negotiating ability when renewing their commercial insurance coverages.
Profitable captives will see their reserves grow over time to significant sums which can be utilized by their owners for retirement or other life cycle needs.
Insurance companies are the only entities allowed to expense projected future expense against current-year revenues (claim reserves). Small captives (premiums of $2.2M or less per year) may also elect to only be taxed on their investment income, potentially resulting in substantial tax savings for their owners.
Utilizing your captive to reduce or replace your commercial insurance coverage with policies issued by your captive allows you to capture insurance profits previously realized by the carriers.
Adding a captive and ERM program will result in a higher awareness and enhanced strategies for how your organization thinks about and plans for all risks.
The assets held by a properly organized and managed captive enjoy a very high degree of protection from both the business’ and business owner’s creditors.