Market News
Glossary Spotlight: Allocated Loss Adjustment Expenses (ALAE)
Allocated loss adjustment expenses (ALAE) are claim-specific costs incurred to investigate, defend, or resolve insurance claims. In captive insurance programs, tracking ALAE separately from indemnity payments helps evaluate claim costs, reserve adequacy, underwriting performance, and the overall financial impact of individual losses. Learn More
Evaluating Captive Insurance: Practical Questions Every Organization Should Ask
This Captive Insurance 101 episode explores how organizations determine whether a captive insurance company aligns with their risk management goals. The discussion covers common decision triggers, financial and operational considerations, feasibility studies, organizational readiness, and the strategic advantages captives can provide over the long term. Learn More
Ivans Q2 2026 Index: Commercial Renewal Rates Continue to Ease
The Ivans Q2 2026 Index found commercial insurance renewal rates declined quarter over quarter across most major commercial lines while remaining higher year over year, except for workers compensation. The report highlights continued moderation in commercial insurance pricing and provides valuable market context for captive insurance owners, managers, and risk professionals. Read More
Property Insurance and Captive Insurance: Thinking Like an Underwriter
Organizations using captive insurance for property risk must think like underwriters. Success depends on accurate exposure data, proactive loss prevention, disciplined retention decisions, and strong business continuity planning. Over time, these practices strengthen captive performance, improve capital efficiency, and create financial accountability for managing property risk. Read More
Understanding Actuarial Reports in Captive Insurance: A Practical Guide
This guide clarifies actuarial reports in captive insurance, emphasizing the importance of clearly documented methods, benchmarks, assumptions, and actuarial judgment. It ensures stakeholders can effectively utilize these reports to enhance risk management strategies, improve decision-making, and meet professional standards within the insurance industry. Read More
Arizona's Captive Insurance Leadership: A Q&A with Victoria Fimea
Victoria Fimea, chief captive analyst at the Arizona Department of Insurance and Financial Institutions, discusses Arizona's 25-year history as a captive insurance domicile, current formation trends, licensing and governance considerations, regulatory collaboration, and the opportunities she believes will continue to drive the state's steady growth in captive insurance. Read More
Glossary Spotlight: Accident Year Experience
Accident year experience measures incurred losses and loss adjustment expenses for claims arising during a specific accident year relative to earned premium. Frequently used in captive insurance and actuarial analysis, it helps evaluate underwriting performance by excluding reserve development from prior accident years while losses continue to mature. Read More