Captive Feasibility
Captive feasibility studies evaluate whether an alternative risk-financing structure makes sense, using an organization's current loss forecasting, total cost of risk modeling and benchmarking data as the analytical foundation. These studies are built for organizations considering a captive but needing defensible data before committing to the structure.
Why It Matters
A feasibility study is only as good as its data
A captive feasibility study built on a stale renewal-cycle risk profile can reach the wrong conclusion, recommending a structure sized to data that no longer reflects an organization's risk. Current data changes the outcome: it's the difference between a feasibility study that reflects where the organization stands today and one that reflects 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) modeling and 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 usThis connects the analytical feasibility work to HUB's Business Insurance captive program capabilities which is the practical work of structuring the captive itself.
Insights for Your Business
Captive feasibility insight and research
