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What is Captive Insurance?

A "captive insurance company" is a property and casualty insurance company specifically established to insure the risks of an associated business. Owning your own captive insurance company comes with advantages that help you gain better control over your business’s risk management, earnings, and tax planning. Conventional insurance policies often limit or exclude coverage for certain inherent operational risks.

With captive insurance, these risks can be written right into the policy, free of vague or ambiguous language. Under IRC 831(b), middle market organizations can take advantage of both the primary benefits of captives, including tailor-made risk coverages and secondary benefits, such as improved tax planning. Capstone is the leading alternative risk planning company for the mid-market and we’re continuing our 17-year trend of growth and leadership in the industry. While other captive insurance managers disclaim tax and legal services, we offer a comprehensive alternative risk financing program in collaboration with The Feldman Law Firm LLP. We invite you to explore all the benefits of captive insurance and the turnkey services we provide.
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Captive Manager 2015

Capstone Nominated in 3 Categories for U.S. Captive Services Awards

New Services from Capstone Associated, Houston TXJuly 29, 2015 (Houston, TX) - Capstone is proud to announce that it has been named a finalist in three separate categories for the U.S. Captive Services Awards by the trade publication Captive Review! The Capstone team made the shortlist for:

  • Best Captive Manager
  • Best Customer Care in Captive Management
  • Best Independent Captive Manager

The Captive Manager of the Year award recognizes the best captive management firms, exhibiting evidence of business growth by revenue, client numbers, service offering and head count and above all client satisfaction. The winner of this award would have demonstrated a diverse product offering and solution-based services, advances in the use of technology, accessibility to clients, initiatives developed/implemented in the last 12 months and overall business growth.

The Independent Captive Manager of the Year award recognizes captive managers that are not related to a larger parent company (e.g. an international brokerage firm). Judging criteria for this award includes the assessment of activity over the last 12 months and for the highest standards of customer care and satisfaction, excellent reporting processes and access to the team, innovative ways of managing clients' risks and insurance structures, and clear examples of efficiency.

The Best Customer Care in Captive Management award recognizes captive management firms that have demonstrated how their service offerings have improved clients’ business functionality, and access to information and reporting. Those recognized have provided clients with valued customer care, improved efficiency and knowledge, expertise and accessibility to the team.

The Capstone team is honored to be have been nominated for these three awards and for the acknowledgement by the captive community of its continued excellence. Capstone remains in a distinct category unto itself in terms of offering in concert with The Feldman Law Firm LLP an integrated, turnkey captive solution to the middle market. Because of the increasingly complex nature of alternative risk planning -- spanning a range of legal, financial, regulatory and tax areas -- the Capstone Team has offered its clients a unique, turnkey option, well recognized in the marketplace since 1998.


Captives in the IRS' Dirty Dozen List of Abusive Tax Schemes? Get the Facts
February 10, 2015 (HOUSTON, TX) - In the first quarter of each year, the IRS increases the volume of its press releases in a thoughtfully designed program to spur taxpayer compliance with our income tax system. This is a well-reasoned effort by the IRS.

Gallagher Captive Manager Artex discloses it's subject to IRS probe
Artex Risk Solutions Inc., the Bermuda-based captive management subsidiary of insurance broker Arthur J. Gallagher & Co., has confirmed that it is involved in an Internal Revenue Service probe into captive insurers formed under 831(b) of the Internal Revenue Code.

September 10, 2014 Federal Court Opinion Ordering Artex's Compliance with IRS Subpoena
The Internal Revenue Service (IRS) is conducting an investigation of Respondent Artex Risk Solutions, Inc. (Artex). The IRS is allegedly
examining Artex’s role in transactions involving captive insurance plans under 26 U.S.C. § 831, and investigating whether such transactions constitute abusive transactions.

Artex Docket Report
Petition to enforce IRS summons filed by United States of America (Shoemaker, Martin) (Entered: 06/03/2014).