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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.
Cybercriminals are no longer focused solely on large enterprises. Increasingly, they are targeting small and mid-market organizations that depend heavily on digital systems but often operate with leaner security resources and tighter financial margins.
For decades, businesses treated catastrophic events as outliers, rare disruptions that could be modeled, insured, and absorbed. That assumption no longer holds.
In the recent article published by Forbes Finance Council, Randy Sadler shares practical insight on building long-term financial resilience.
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.
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.
Cybercriminals are no longer focused solely on large enterprises. Increasingly, they are targeting small and mid-market organizations that depend heavily on digital systems but often operate with leaner security resources and tighter financial margins.
For decades, businesses treated catastrophic events as outliers, rare disruptions that could be modeled, insured, and absorbed. That assumption no longer holds.
In the recent article published by Forbes Finance Council, Randy Sadler shares practical insight on building long-term financial resilience.
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.
Sign Up for the Captivating Thinking Newsletter
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.