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 com

Change is hard. Change for change sake is usually not appropriate; however, we see change around us, constant change. Those who don't change get left behind. Positive changes should be considered as Growth. When there’s a better way to change, why don’t we as humans embrace it? 1. Ignorance – Because I didn’t seek out this better way, or the better way wasn’t introduced to me by someone I know and trust, human nature becomes skeptical and often dismisses opportunities

Fruit cocktail is healthy, it has the best fruits, all combined together, it tastes great and the flavor of each individual fruit enriches and compounds the overall flavor of this fine dish. Fruit cocktail can be eaten as a snack, for breakfast, lunch or dinner. Fruit cocktail typically isn’t the main dish, yet it compliments almost every dish. In other words, Fruit Cocktail is versatile. An amateur chef may just have bananas and oranges, with a touch of apples. A more ex

Red delicious, Jonathon, golden delicious, red empire, your choice here….. How many types of apples exist? You're not going to see this many kinds of apples in the grocery store, but there are 7,500 varieties of apples in existence throughout the world—2,500 of which are grown in the United States. The selection feels overwhelming, so we stick to what we have mostly selected in the past, selecting the type we have always selected, because that’s what we have always done. Whe

The I nsurer is the insurance company. Insurance companies are designed to be profitable. In order to sustain profitability, insurers increase premiums, often with or without increased claims. The Insured is you, the business owner. The insured benefits from the protection or insurance provided. Insurance is big business! Why? Because companies have significant exposures to protect. Some exposures are required by law such as workman’s comp, medical benefits, general lia

Every business, once they reach a certain level of success, profitability , liability , or mass should understand how a Captive insurance company may benefit them. Every business is unique and a Captive Insurance company is not for all businesses. However, for those businesses and business owners who are risk adverse, desire to control insurance expenses more efficiently, and preserve capital, Captive Insurance is not a question of if, but when? What is that level? Historica