Market News

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. Read More

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. Read More

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

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

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