Captive insurance education: property, CAT, ownership models, and strategic risk management for organizations across industries
The Torch Briefings are PFTN's in-depth articles on captive insurance structures, property risk, ownership models, financial discipline, and strategic implementation. Written with the PFTN voice: confident, educational, and focused on moving beyond traditional insurance toward ownership and control.
The property market is soft. That's exactly when disciplined organizations should be building captive structures to lock in long-term savings, premium stability, and control over their property risk.
Read ArticleWhy property and catastrophe property coverage belong in a captive. How well-managed organizations are taking control of their property risk instead of subsidizing an unstable traditional market.
Read ArticleTraditional insurance operates on a simple principle: carriers win when they collect more in premiums than they pay in claims. Your discipline subsidizes negligence elsewhere. Discover how captive ownership flips this model.
Read ArticleBoth offer genuine ownership and underwriting profit retention. But they differ in capital requirements, control levels, and governance complexity. Learn which structure aligns with your organization's size and sophistication.
Read ArticleNinety percent of Fortune 500 companies use captive insurance. Universities, hospitals, and mid-market manufacturers are abandoning traditional insurance in favor of ownership. This isn't exotic—it's the new standard.
Read ArticleAM Best ratings verify financial strength and claims-paying ability. Understand the rating scales, what regulators and reinsurers require, and why independent verification matters for your captive's credibility.
Read ArticleCaptive ownership creates formal governance, data-driven decision-making, and direct profit incentives for risk reduction. Learn how ownership transforms insurance from overhead into strategic discipline.
Read ArticleSingle parent captives offer complete ownership, unlimited customization, and 100% profit retention. Understand capital requirements, governance obligations, ROI potential, and when pure captives make sense for your organization.
Read ArticleCaptive insurance education and strategic risk management across specialized industries and sectors. Each PFTN site focuses on industry-specific applications while sharing core captive insurance principles.
Foundations of risk management and captive insurance strategy
Captive solutions for construction, electrical, plumbing, and trade contractors
Captive insurance for government contractors and federal compliance
Risk management and captive strategies for nonprofits and associations