How North Carolina Balances Growth and Oversight in Captive Insurance

North Carolina's captive program is thriving—and Chief Captive Analyst Joe Rosenberger joins us in this episode of The Edge of Risk podcast by IRMI to explain why. From regulatory flexibility and tech-forward initiatives to the state's response to emerging risks, Mr. Rosenberger offers a candid look into what makes North Carolina a standout domicile in today's captive insurance landscape.

Mr. Rosenberger shares how the state has built one of the fastest-growing captive insurance programs in the US. He reflects on what makes North Carolina's regulatory approach stand out—from consistent analyst assignments that strengthen relationships with managers, to a willingness to engage directly with business owners at every stage of the process. He also speaks to how the state is responding to emerging risks and evolving needs, including exploratory conversations around crypto-based premiums and the use of artificial intelligence to streamline filings. It's a grounded, forward-looking conversation on how North Carolina balances innovation and accountability in a competitive regulatory landscape.