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Caitlin Morgan through our blog and newsletter is committed to keeping our agency partners and insureds abreast of trends, emerging trends and developments as they relate to the segments we serve. We invite you to connect and engage with us.

Captives: A Cost-Cutting Tool for Employee Benefits

Posted on: September 17, 2015 by Caitlin Morgan

Employers are looking for new ways to reduce the cost of employee benefits. One approach increasingly gaining traction is the use of captives to fund a wide range of benefits including health, disability, and life insurance. In addition to the cost savings employers can gain, captives offer them the ability to be more flexible in […] Read More

Posted in: blog Captive Solutions Employee Benefits

Captives Gaining Popularity Among Private Equity Firms

Posted on: June 18, 2015 by Caitlin Morgan

A recent article in Forbes magazine highlights the use of captive insurance companies among private equity firms for errors and omission insurance, directors and officers liability and health insurance over traditional products. Additionally, captives are increasingly being used to provide mergers and acquisition insurance. Why are captives insurance companies so attractive to private equity firms? […] Read More

Posted in: blog Captive Solutions

Ensuring Micro-Captives Are IRS-Compliant

Posted on: April 13, 2015 by Caitlin Morgan

Recently the Internal Revenue Service (IRS) has taken an aggressive stance to ensure that captives insurance companies are compliant, specifically micro-captives, or what is known as Section 831(b) captives, designed for small and medium size firms. An 831(b) captive is an insurance company whose premiums do not exceed $1.2 million annually and which elects to […] Read More

Posted in: blog Captive Solutions

Proposed Legislation Could Increase Tax Breaks for Small Insurers, Captives Under Section 831(b)

Posted on: June 6, 2014 by Caitlin Morgan

Proposed Legislation Could Increase Tax Breaks for Small Insurers, Captives Under Section 831(b) Last month, federal legislation was filed in Congress that would give small mutual Property/ Casualty insurers that serve rural communities a tax break under Section 831(b) of the Internal Revenue Code. Right now, under the code, those companies whose premiums do not […] Read More

Posted in: Captive Solutions

Using Group Health Stop Loss Captives to Gain More Control Over Costs

Posted on: April 10, 2014 by Caitlin Morgan

Using Group Health Stop Loss Captives to Gain More Control Over Costs Managing healthcare expenses is a top priority for employers, with many organizations over the last several years opting to self-fund their plans. In fact, more than 60% of U.S. workers are now covered by self-funded plans with even more companies planning to self-insure […] Read More

Posted in: Captive Solutions

Captives Helping Companies Insure Risks In New Ways

Posted on: September 6, 2013 by Caitlin Morgan

Captives Helping Companies Insure Risks In New Ways In a number of interviews at the Vermont Captive Insurance Association annual conference last month with insurers and brokers by insurance credit rating organization A.M. Best one common thread was notable: Captives are helping companies in new ways to address and manage risk. A captive insurance arrangement […] Read More

Posted in: Captive Solutions

Texas Passing Legislation Allowing for Captive Insurance Options

Posted on: June 20, 2013 by Caitlin Morgan

Texas Passing Legislation Allowing for Captive Insurance Options In our May blog, we wrote about North Carolina considering legislation for captive insurers to operate in the state. Now the Texas legislature has passed a bill allowing the formation of pure captive insurance companies in the state. The measure, signed by Governor Rick Perry on June […] Read More

Posted in: Captive Solutions

Captive Insurance Continues to Be Valuable for Risk Management

Posted on: September 20, 2012 by Caitlin Morgan

Captive Insurance Continues to Be Valuable for Risk Management Captive insurance is designed to provide owners with an efficient and effective vehicle for obtaining clearly defined risk management and risk-funding objectives regardless of the state of the insurance market (hard or soft), degree of difficulty in finding coverage, and other key factors. Captive insurance has […] Read More

Posted in: Captive Solutions