Market News

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. Read More

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. Read More

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

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

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