Finance, Investments, and Accounting

Amazon Courier Captives: A Solution That Really Delivers

January 26, 2022

Amazon's delivery model is a logistical marvel that also creates unique loss risks in its "last-mile" drivers that are well suited to captive insurance. A hard insurance market, like the one that the last-mile industry is facing, is common with relatively new risks that have clear high-risk characteristics. Read More

Insurance Premiums Increased for 16th Consecutive Quarter in Q3

December 3, 2021

Commercial property and casualty insurance premiums increased for the 16th consecutive quarter during the third quarter of 2021, according to the Council of Insurance Agents and Brokers (CIAB). According to the CIAB's Commercial Property/Casualty Market Index, prices increased 8.9 percent across all account sizes. Read More

Portfolio Construction, Low Yields, and Inflation

April 19, 2021

Captive insurance companies should take care in constructing their investment portfolios during times of low yields and potentially rising inflation. Too many investors make the mistake of believing in the powers of the Federal Reserve and forecasts of the experts. It can pay to be cautious. Read More

Captives: Is Passive or Active Investing a Better Strategy?

February 1, 2021

The conundrum between a captive insurance company choosing a passive investment strategy versus an actively managed strategy has always existed. For a captive, the choice of an active investment strategy versus a passive one should involve considering a number of factors. Read More

"The Song Remains the Same" (The Peril of Ignoring Investment Risk)

June 16, 2020

Individuals and companies are often too quick to forget about investment risk, or assume the risk probability of the event is too small to happen. Real-life examples also illustrate that there will always be investors reaching for yield, especially in low-interest-rate environments, and when they should beware. Read More