Insurance

A captive combines reinsurance with strategic financial management and specifically protects the risks of the parent company. Instead of using traditional insurers, premiums flow directly into the captive – creating a clear separation of risks with full transparency and control.

The benefits for companies are considerable: reserves for future claims can be built up efficiently, allowing capital to be used in a predictable and stable manner. At the same time, the captive protects the operating divisions from unexpected fluctuations in cash flow. The result: greater financial stability, increased resilience and a sustainable strengthening of the entire corporate structure.

With our comprehensive expertise in the design, implementation and management of captives, we combine in-depth local know-how with sound international consulting expertise. In this way, we ensure that your captive is licensed in the appropriate jurisdiction and is tailored precisely to your individual risk financing requirements.

We support companies from a wide range of industries worldwide in identifying and realizing potential in the area of risk financing. In doing so, we rely on data-based analyses that combine actuarial expertise and specialized software solutions. The result: targeted optimization of your insurance programs, measurable economic added value and sustainable strengthening of your entire risk portfolio.

Our innovative tools also ensure a clear, transparent presentation and communication of the added value of establishing a captive to all stakeholders – for well-founded decisions at all levels of your company.

Our captive experts support you in the following areas:

Pre-study – feasibility check

With a pre-captive study, we create the basis for your strategic decision: We analyze your actuarial data and transparently check whether a captive makes economic sense. It's not just a question of whether, but also how. We develop an individually tailored risk financing structure that fits your objectives perfectly.

Feasibility – testing and developing your company's own insurance solution

With practical and innovative concepts, we help you to design your company's own insurance solution in an economically sensible way and to make optimum use of it. We analyze your overarching objectives and review the structure of your existing insurance program in order to systematically identify and optimize your risk financing options in a targeted manner.

We create an individually tailored captive business plan for you - based on well-founded loss and premium forecasts, differentiated risk assumption scenarios and detailed assessments of potential captive domiciles.

Our feasibility process includes

• the assessment of capital and solvency requirements,
• precise financial forecasts,
• clear underwriting guidelines and
• efficient accounting processes - always taking into account the relevant tax framework.

In addition, we identify the optimal governance structure and provide specific recommendations for sustainable, effective and compliant corporate governance. In this way, we ensure that your captive remains stable, efficient and compliant in the long term.

Your captive program is implemented in close cooperation with our experienced partners. Our strategic partner 2RS handles the operational implementation on site and acts as the central interface to the responsible supervisory authority. In this way, we ensure that all local regulatory requirements are complied with and that the regulatory requirements are implemented efficiently.

Ecclesia RE assumes overall control of the entire process and supports you as a reliable partner – in particular as a German-speaking contact for technical and organizational issues. We are responsible for the design and implementation of the fronting and retroinsurance structures, while our partner 2RS is in charge of licensing the captive vehicle.

Thanks to clearly defined roles and close coordination, we ensure efficient, legally compliant implementation – tailored to your individual requirements. At the same time, we carefully prepare all the necessary documents in order to apply for the captive license in a targeted and tailored manner for your business and risk financing needs.

We design the entire implementation process in a transparent, structured and targeted manner. During the licensing process, we are in continuous contact with the supervisory authorities, support you in the selection of service providers and coordinate communication with fronting insurers - in close consultation with you and your primary brokers.

We also support you in setting up your captive infrastructure, develop a customized governance structure and create a comprehensive operations manual. In this way, we ensure that your captive can be operated successfully, fully functional and with sustainable performance right from the start.

We offer you a comprehensive portfolio of ongoing services that are individually tailored to your needs. Our services include, among other things

• Establishment, operation and development of your captive
• Underwriting and management of your insurance programs
• Management of reinsurance and retrocession contracts
• Governance & compliance: Together with our partner 2RS, we ensure ongoing compliance with all relevant regulatory requirements
• Holistic risk and capital management
• Expert advice on site and personal support
• Actuarial calculation and reserving

With this integrated service approach, we create maximum transparency, security and operational efficiency for your company's own insurance solution.

Our aim is to smooth claims fluctuation and drive sustainable profit growth.
We use a wide range of analytical methods to identify patterns, opportunities and hidden potential in your risk portfolios – and thus create the basis for well-founded, strategic decisions.

Our key services at a glance:

• Risk quantification and optimization: predictive modelling of risks on an individual or portfolio basis, program optimization according to your risk tolerance/appetite.
• Quantification of natural catastrophes: Detailed scenario modeling to determine your exposure to risk from natural catastrophes and develop innovative solutions to minimize potential losses and specifically strengthen your company's resilience.

Forensic accounting: Preparation, quantification and resolution of large and complex losses – including pre-loss planning and calculation of business interruption values.

We support you not only in deciding on a captive, but also in its optimal use in the long term. Through regular captive health checks and structural analyses, we ensure that your captive creates sustainable value, is used efficiently and always remains aligned with your strategic goals. In addition, we identify optimization potential at an early stage and support you in flexibly adapting your risk financing strategy to changing market conditions. In this way, your captive remains a dynamic instrument for strengthening your competitiveness.