What does insurance really look like? A photograph of your 2017 Mercedes, book value and all are easily noted, your home insurance likewise. As a business owner, underwriters can review your financials and the appropriate amount of life insurance can be written. How much would it cost you and your business to replace your key employee? How much time and expense would be involved if your technology, data, were not accessible and breached? There are more than 75 risks covered

The captive insurance industry has changed and continues to change. How? To better suit the needs of the consumer such as making adjustments and making captive insurance available to more companies in a more efficient manner, offering more and more lines of coverage. In the end, it's still insurance. From that respect, insurance really hasn't changed. Insured – The person, or company the policy protects. Insurer – The insurance company providing the protection. The compan