Client Case Studies

 

Client Case Studies to Follow:

 

  • Surgeon/Physician Group Practice
  • Law Firm
  • Real Estate Developer
  • Trucking / Distribution Company
  • Franchisees (restaurants, hotels, service companies)

 

Top 10: Client Industries for 831(b) Small Captives

The top 10 industries which can benefit from the risk management in a captive insurance company are (in no particular order):

  1. Franchisees (restaurant / hotel)
  2. Plastic Surgeons / Physician Group Practices
  3. Equine Breeding and Racing
  4. Law Firms
  5. Auto Dealerships
  6. Import / Export Companies
  7. Real Estate Developers / Builders / Contractors
  8. Heavy Industry / Manufacturering
  9. Trucking and Logistics
  10. Distribution Companies

 

Our Client Base

Capital Management Consulting, LLC specializes in assisting small to medium-sized businesses that find themselves in uncharted territory due to increasing insurance costs, inability to purchase insurance through retail channels, and issues related to the cost and tax impact of self-insuring without a captive insurance company.


Captive insurance can also protect a business owner during a sale or when looking for ways to pass on assets to younger family members, as captives are not subject to estate taxes or the generation-skipping tax.

 

Structured correctly, a captive insurance company can also be a profit center.  Real estate management firms operating numerous rental properties can use a captive to capture renter's insurance premiums, while auto dealers can use a captive to collect auto warranty coverage.


Some of the benefits of owning a small captive include:

  • Access to coverage on a wholesale basis through reinsurance
  • Managing risk and realizing tax benefits not previously gained by self-insuring
  • Managing risk and realizing tax benefits when dealing with multigenerational wealth transfers