Market News
How Stop-Loss Captives Help Employers Manage Healthcare Costs
This podcast examines how stop-loss captives help self-insured employers manage rising healthcare costs and improve employee benefits strategies. Industry experts discuss captive suitability, actuarial analysis, funding structures, insurer partnerships, and the use of claims data to support long-term financial sustainability, proactive risk management, and more informed healthcare decisions. Read More
Glossary Spotlight: Combined Ratio
The combined ratio measures an insurer's incurred losses and underwriting expenses relative to earned premiums. For captive insurance companies, it provides insight into underwriting performance, expense management, and reserve development. However, the ratio does not capture all financial and strategic benefits a captive may provide to its owners or members. Read More
HUB International Report Highlights Risk Fatigue and Insurance Coverage Gaps
HUB International’s 2026 report examines how risk fatigue, competing business exposures, and limited understanding of insurance coverage affect organizational resilience. Findings highlight declining confidence in managing risks, gaps in enterprise risk management practices, and the importance of integrating risk assessments into business decisions to support profitability and long-term stability. Read More
Social Inflation Continues to Pressure US Insurers
Social inflation continues to drive higher commercial auto liability losses and umbrella insurance costs, according to AM Best. Rising litigation expenses, larger jury awards, and prolonged claims settlements are pressuring insurers' profitability and reserves. While claim severity exceeds economic inflation, recent Florida tort reforms demonstrate potential for reducing costs. Read More
SIIA Survey Finds Strong Captive Insurance Growth Outlook for 2026
The Self-Insurance Institute of America's (SIIA's) 2026 Captive Industry Survey reports continued optimism about captive insurance growth, with medical stop-loss leading demand. Findings highlight favorable renewal experiences, pricing predictability, and increased emphasis on claims management. The report also identifies broker education, underwriting discipline, and artificial intelligence as important factors shaping the industry's future. Read More