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Risk Management Strategy using a Captive Insurance Company

A large, privately-held business was managed by family members; however they did not have an established, funded succession plan in place. Additionally they owned an extensive real estate portfolio that was not appropriately or adequately insured.


We helped create an interfamily succession and key person insurance solution using a Captive Insurance Company. In addition, during the risk management review process, we discovered that some of the properties were exposed to earthquake and fire risk. Our solution enabled the family to:

  • Buy out other family members and indemnify themselves from loss of services from a key family member.

  • Properly protect their real estate portfolio from risks that were not previously covered.

  • Increase cash flow by leveraging the tax efficiency of a Captive Insurance Company.

  • Minimize the risk exposure, lower insurance premiums and reduce income taxes on investments and earnings.

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