Captive Feasibility

Captive feasibility studies built on current risk data

Captive feasibility studies assess whether an alternative risk financing structure makes sense, using an organization’s current loss forecasting, total cost of risk modelling, and benchmarking data as the analytical foundation. These studies are designed for organizations considering a captive but needing defensible data before committing to the structure.

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Why It Matters

A feasibility study is only as good as its data

A captive feasibility study based on an outdated renewal-cycle risk profile can lead to the wrong conclusion, sizing a structure for risk that no longer exists. Current data changes the outcome. A feasibility study should reflect where the organization stands today, not where it stood at the last renewal.

HUB's Approach

Feasibility studies based on the same data driving the rest of the program

HUB's captive feasibility studies draw on current loss forecasting, total cost of risk (TCOR) modelling and Stochastic Cost of Risk Evaluation Analysis benchmarking as their analytical foundation, rather than a standalone actuarial exercise disconnected from an organization's broader risk data. This gives the feasibility study a defensible basis grounded in information the organization is already using elsewhere in its program.

Because a captive decision depends on understanding an organization's actual retained risk and financial capacity to support it, HUB coordinates the feasibility study with its retention and collateral analysis work, so the recommended captive structure reflects the same risk picture. This connects the analytical feasibility work to HUB's Business Insurance captive program capabilities which is the practical work of structuring the captive itself.