Captive Insurance Programs

The Small Insurance Company Solution - 831(b) Captive

Program Summary:   

Offering individuals and closely-held corporations a simple and tax efficient insurance solution for exposures the insured self insures on their balance sheet or personally.

Program Strategy:

The small insurance company solution is a complete turnkey 831(b) captive insurance program providing insureds a tax advantaged strategy for coverage not available or hard-to-place in the traditional marketplace. Captive benefits include reduction of insurance costs, unique coverage, risk management and favorable tax treatment of underwriting profits.

Organizational Structure: 

Program is administered by Roundstone. After expenses are paid, the insured’s premium and collateral is placed in insured’s captive facility. Shareholder agreement defines the underwriting and investment income opportunity on defined and limited level of insured’s retention.

Collateral Requirements:

Premium to Capital Ratio is 5:1

Annual Minimum / Maximum Premium

$350,000 / $1,200,000

Program Participant Eligibility:
  • Strong desire to retain own risk
  • History of low loss ratios
  • Stable income
  • Meet program premium requirements


Broker Information

Commission TBD

Proposed Policy Form(s):  

Deductible Reimbursement, E&O, D&O, EPLI, CGL and Property (Difference in Conditions), Patent Protection, Wind, Weather, Kidnap and Ransom, Foreign Appropriation, Operating Risk, Legal Defense, Subsidence, Environmental Value, Exclusions, Construction Defect, Product Warranty, Loss of Key Customer, and Mold.

States Available:




Minimum Submission Requirements:
Exposure detail
Management biographies
Last two (2) years' financial statements
Current risk management, including loss prevention reports and safety plans
Program Questions

Roundstone Management, Ltd.
27887 Clemens Road, Suite 1, Westlake, OH 44145

Phone:  440-617-0333


Interested in creating your own 831(b) Captive? We can help design one that's right for your needs. Click below to learn more about our Captive8 Program.










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