The Cost of Waiting: CIC Services Announces the 60-Day Captive Insurance Countdown for 2025

Every year, the business landscape grows more complex, volatile, and unpredictable. Costs rise, insurance coverage narrows, and  risks multiply. Yet amidst the uncertainty, one truth remains clear: businesses that take control of their risk management today will be the ones best positioned to thrive tomorrow.

At CIC Services, we have spent decades helping business owners and executives recognize the difference between reacting to risk and proactively managing it. That is why, every fall, we launch our 60-Day Captive Insurance Countdown, a focused initiative designed to help companies take action before the year closes. The countdown marks the final window of opportunity for establishing a captive insurance company in time for year-end financial and regulatory advantages.

This year’s countdown officially began on October 5, 2025, and it carries more weight than ever before. Global instability, supply chain uncertainty, cybersecurity risks, and economic pressures continue to challenge organizations across industries. Yet despite these threats, many business owners continue to postpone one of the most valuable financial strategies available, forming a captive insurance company.

The theme for this year’s countdown is simple but powerful: The Cost of Waiting.

The Hidden Cost of Inaction

In business, every decision has a cost, sometimes measurable, sometimes unseen. When it comes to risk management, the cost of waiting can be both.

Each day that passes without a captive is another day of lost opportunity: lost premium dollars, lost investment income, lost flexibility, and lost resilience. Business owners who delay are, in effect, paying for protection they do not fully control and missing out on profits they could be retaining within their own organizations.

Traditional insurance models are built to protect the insurer, not necessarily the insured. As commercial policies become narrower and more expensive, businesses are paying more for less. Meanwhile, the risks that truly threaten them, cybersecurity, regulatory change, environmental impact, and supply chain disruption, often remain underinsured or excluded altogether.

A captive insurance company allows businesses to reverse that equation. Instead of renting insurance from third-party carriers, a captive owner owns their own insurance company, one designed specifically to cover their unique risks, build reserves, and capture profits that would otherwise leave the business forever.

The moment a business establishes a captive, it begins capturing value. The longer it waits, the more that value slips away.

The Countdown Has Begun

Every year, CIC Services launches the 60-Day Captive Insurance Countdown to highlight this urgency and provide business owners with the guidance they need to act before year-end. The countdown is not just a marketing campaign, it is a roadmap to proactive financial strategy.

Forming a captive requires careful planning. There are feasibility studies to conduct, actuarial analyses to complete, and regulatory filings to prepare. The process takes time, coordination, and expertise, which is why the final 60 days of the year are so critical. Acting within this window ensures a business can enter the new year with its captive operational, compliant, and ready to deliver both protection and profit.

For many companies, this is also a deadline-driven opportunity. In order to capture the benefits of a captive for the 2025 tax year, formation must be completed before December 31. Once that date passes, the opportunity is deferred, and so are the financial and strategic benefits.

At CIC Services, we view this countdown as a call to action for business owners who understand the value of acting decisively. In today’s environment, waiting has a cost, and those who delay risk entering 2026 without the control, protection, and resilience they could have built today.

Why 2025 Is the Year to Act

This year’s countdown is not just another milestone, it is a turning point. The business world in 2025 is marked by volatility unlike any in recent history:

• Insurance premiums are climbing, with many industries seeing double-digit rate increases for the fifth consecutive year.
• Coverage exclusions are expanding, particularly in areas like cyber risk, business interruption, and liability.
• Inflationary pressures continue to drive up operating costs while squeezing margins.
• Geopolitical and regulatory shifts are creating new risks that traditional insurers are slow to address.

In this environment, every business leader faces the same question: Will I continue to let uncertainty dictate my strategy, or will I take control of it?

A captive insurance company provides that control. It allows you to align your insurance and financial strategy with your actual operational realities. You decide what to insure, how to price risk, and how to deploy capital. You transform risk management from an annual expense into a long-term strategic advantage.

And you do not have to navigate the process alone. CIC Services is here to guide you every step of the way.

CIC Services: A Partner in Proactive Planning

As one of the nation’s most experienced and respected captive management firms, CIC Services has spent decades helping businesses across industries harness the power of captive insurance. We provide the full suite of services required to design, form, and manage compliant captives, including:

• Feasibility Analysis: Determining whether a captive structure fits your business’s risk profile and goals.
• Regulatory Formation: Managing filings and approvals with domestic or international insurance regulators.
• Actuarial Support: Ensuring proper risk quantification and pricing.
• Ongoing Management and Compliance: Providing accounting, claims management, and regulatory reporting support.
• Strategic Guidance: Helping clients leverage their captive for broader financial and operational
• goals.

Our mission is simple, to help business owners turn risk into resilience. Through the 60-Day Countdown, we are helping them do it before another year of opportunity passes by.

The Cost of Waiting: Beyond Dollars

The cost of waiting is not just financial, it is emotional and strategic.

Every business owner knows the feeling of uncertainty that comes with being underinsured or exposed to risks beyond their control. The sleepless nights wondering, “What if?” The frustration of paying rising premiums for policies that do not cover the real threats your business faces.

Forming a captive is an act of empowerment. It is a statement that your business will no longer be at the mercy of unpredictable insurance markets or restrictive policies. It is the difference between hoping for protection and building it yourself.

When you delay, you do not just lose potential tax advantages or investment returns, you lose momentum, control, and confidence. The peace of mind that comes from owning your risk and knowing your protection is in your hands cannot be overstated.

The CIC Services 2025 Countdown Webinar

To help business owners make informed decisions and take timely action, CIC Services will host a special live webinar during the countdown. This exclusive online event will unpack everything business leaders need to know about the captive formation process, the benefits of acting before year-end, and how to determine if a captive is the right fit for their organization.

Webinar: The Cost of Waiting – Understanding the 60-Day Captive Insurance Countdown
Date: November 4, 2025
Time: 2 PM / ET
Location: Live Online (Registration Required)
Hosted by: CIC Services

During the session, attendees will learn:

• Why 2025 presents unique opportunities and risks for captive formation.
• The financial and operational advantages of owning a captive.
• How to evaluate whether your company qualifies for a captive insurance structure.
• The timeline and key milestones for establishing a captive before December 31.
• Real-world examples of businesses that strengthened their financial position through proactive planning.

This webinar will also feature a live Q&A session with CIC Services’ leadership team, offering participants the chance to ask questions directly and gain clarity on how to move forward confidently.

For business owners serious about protecting and strengthening their organizations, this event represents the perfect starting point. Registration is complimentary but space is limited so reserve your spot today.

Do Not Let Time Be the Enemy

As the 2025 countdown continues, one truth becomes more evident: the future belongs to those who act. Each day that passes brings us closer to the year’s end and closer to another missed opportunity for those still on the fence.

Whether your goal is to protect your business, strengthen your financial foundation, or simply gain greater control over your insurance destiny, the path forward is clear. Acting now positions you to enter 2026 with confidence, stability, and strategic advantage.

The cost of waiting is measured not just in dollars, but in the opportunities lost when hesitation replaces action. Do not let indecision rob your organization of its full potential.

CIC Services is ready to help you take the next step with the expertise, integrity, and personal attention that have made us a trusted partner for business owners nationwide.

Take Control Today

The clock is ticking on 2025. The 60-Day Captive Insurance Countdown is in full swing, and the opportunity to secure your captive before year-end is rapidly closing.

Ask yourself:

• What opportunities might my business lose if I wait any longer?
• How much could my business gain by acting now?
• What would it mean to start the new year stronger, protected, and in control?
• The answers are within reach, and so is the support to make them a reality.
• Join our webinar, learn your options, and take action before time runs out.

The cost of waiting is high. The value of action is immeasurable. Take the first step toward smarter risk management- reserve your spot now!