As business owners today are exposed to Captives for the first time, the typical response is, “Why haven’t I heard of this before? Is it a secret?” In actuality, it never was a secret, as business owners have been using Captive Insurance for decades. Captive Insurance is however, an important tool for many business owners despite the unfamiliarity of these complex insurance companies. Within that complexity, though, there are significant opportunities for reduced risk, busin

We face many risks each and every day of our lives. It seems as though there is insurance for nearly all types of risk, yet some risks are uninsurable and some risks must be self-insured. Business owners have additional risks most individuals do not share. Some of these risks are required by law to insure such as health, general liability or workman’s compensation. At ALINK Captive Insurance Services, we specialize in risk management: the practice of appraising and controlli

Recently I had the opportunity to ride in a small airplane, I mean really ride in the cockpit of a Cessna and experience the life and death consequences of proper compliance regarding the many safety checks and constant procedures as well as the ongoing attention and maintenance required for flying. Long before I was airborne, the pilot had met the necessary requirements for himself as well as his plane to safely take off the ground, fly to a destination while maneuvering upd