Market News
Cyber-Security Budgets to Climb in 2026 Amid Rising Third-Party Risks
Marsh's 2025 cyber report shows that two-thirds of global organizations plan to increase cyber-security spending in 2026. Top concerns include ransomware, privacy breaches, and third-party risks. While overall confidence is high, gaps remain in specific capabilities. Firms are prioritizing technology, preparedness, and talent to strengthen enterprise-wide cyber-risk management. Learn More
Board Oversight in Captive Insurance Companies
This article explores the role of the board of directors in captive insurance governance. It outlines core responsibilities including financial and actuarial oversight, regulatory compliance, risk management, fiduciary duties, and strategic alignment, emphasizing how effective board engagement supports long-term captive stability and regulatory confidence. Learn More
Most Commercial Lines Saw Premium Renewal Rate Increases in November
November 2025 "Ivans Index" results indicate that most commercial insurance lines, including those relevant to captive insurance programs, continued to see year-over-year premium renewal increases, while month-over-month changes varied by line. Workers compensation remained the only major line showing a year-over-year decline. Read More
Why Letters of Credit Still Anchor Captive Insurance Collateral
Letters of credit remain the most widely used collateral tool in captive insurance programs, valued for their reliability and regulatory acceptance. In this podcast episode, Martin Ellis of Comerica Bank walks through how letters of credit function, how group structures use back-to-back arrangements, and how they compare with trusts and cash in balancing liquidity, cost, and investment flexibility. Read More
Captive Resources Podcast Highlights Growing Use of Transplant Carve-Out Coverage in Self-Funded Plans
A recent Captive Resources podcast examines how transplant carve-out coverage supports self-funded employers and their captive insurance company in managing high-cost transplant claims. The episode highlights cost drivers, risk-transfer benefits, and why carve-outs are becoming a common strategy for stabilizing health plan expenses and protecting captive layers. Read More
Captive Insurance 2025 Year in Review: Growth, Risk, and Resilience
The captive insurance industry experienced strong growth in 2025, driven by demand for flexible risk financing, expansion into new coverages, and advances in technology. Industry leaders highlighted increased risk retention, evolving domiciles, and heightened pressure in auto, healthcare, and liability markets, underscoring captives’ expanding strategic role. Read More
Captives and Cyber: From Tactical Response to Strategic Risk Optimization
Captive insurance is becoming a central tool for cyber risk financing as organizations expand its use beyond tactical needs to strategic enterprise management. Survey results show rising adoption, growing cyber underwriting, and broader applications such as deductible infill, gap infill, incubation structures, and portfolio strategies, reflecting sustained momentum in captive utilization. Read More