Share on LinkedInShare on LinkedIn

VIDEO · 08 JULY 2026

DW FastTrack Podcast Episode 14: Captive Corner: Understanding Insurance Pricing

Dickinson Wright PLLC
Dickinson Wright PLLC
Contributor
Dickinson Wright PLLC

Dickinson Wright PLLC

Dickinson Wright is a full-service law firm with more than 550 lawyers, serving clients across the...

View firm profile
Explore more from Dickinson Wright PLLC

Captive insurance offers businesses a powerful alternative to traditional insurance markets, but understanding how to structure and operate these entities requires specialized knowledge. This episode breaks down the essential elements of captive formation, from regulatory frameworks to strategic implementation, providing actionable insights for professionals advising clients on risk management solutions.

United StatesInsurance
F. Hale Stewart
F. Hale Stewart
Author LinkedIn connections

In this episode, Dickinson Wright attorney Hale Stewart provides a comprehensive introduction to captive insurance, guiding brokers, lawyers, accountants, and business advisors through the fundamentals, strategic advantages, legal considerations, and practical steps involved in forming and operating a captive insurance company. The discussion explores how captives can help businesses gain greater control over risk, manage insurance costs, and strengthen their overall risk financing strategy.

Listen to the full podcast on Spotify or YouTube:

self

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

View source

Related Articles

Read more about

Related Comparative Guides

See more popular content from

Article

Contractual Liability Exclusion Must Be Assessed Against Each Cause Of Action Separately, Not Applied Wholesale Where Multiple Claims Are Pleaded In One Action

The Ninth Circuit Court of Appeals examined whether a directors' and officers' liability policy's contractual liability exclusion could bar coverage for an entire multi-count lawsuit, or whether each legally distinct cause of action—breach of contract, fraud, and quantum meruit—must be assessed separately against the exclusion's terms. The decision addresses the critical question of how insurers must apply policy exclusions when a single complaint pleads multiple claims arising from the same und
United StatesInsurance
Adams & Adams
Adams & Adams
Video

A Deep Dive On Insurance Brokerage M&A (Podcast)

Skadden attorneys examine the unique legal considerations in insurance brokerage M&A transactions, exploring how deal structures must be carefully crafted to protect value in a people-driven business where client relationships and key personnel are paramount. The discussion covers earn-outs, reinvestment mechanics, restrictive covenants, and bespoke warranty packages tailored to the distinctive nature of brokerage deals.
United StatesInsurance
Skadden, Arps, Slate, Meagher & Flom LLP
Skadden, Arps, Slate, Meagher & Flom LLP
Article

Liability Insurer Has No Duty To Defend Or Indemnify Where Property Damage Results From Insured’s Deliberate Placement Of Demolition Debris: The Requirement Of An “Accident” For Coverage

A U.S. District Court examined whether a commercial general liability insurer must defend and indemnify a trucking contractor after a municipality sought to recover costs for remediating unlawfully deposited demolition debris. The court analyzed whether the property damage constituted an "occurrence" under the policy's definition of an accident, considering the insured's intentional placement of the debris and applicable policy exclusions.
United StatesInsurance
Adams & Adams
Adams & Adams
Article

When Your Cyber Insurer Sends You In Circles: A Hacked CFO Email, A Stolen Vendor Payment, And The Coverage Maze That Can Follow

Your company paid premiums year after year, maintained payment controls, and worked to protect its systems and financial information. No CEO expects perfect security or expects every loss to be covered by insurance. But a company that buys coverage for computer fraud, funds-transfer fraud, and social engineering reasonably expects the policy to matter when criminals compromise company communications and divert a seven-figure payment.
United StatesInsurance
Taft, Stettinius & Hollister LLP
Taft, Stettinius & Hollister LLP
Article

Liability Policies Listing Specific Wrongs: Cover Will Not Extend To A Related But Unlisted Delict

A U.S. District Court ruled that a commercial general liability insurer had no duty to defend its insureds against an abuse of process claim when the policy explicitly enumerated covered offenses including malicious prosecution but did not list abuse of process. The court determined that reasonable insureds would not expect coverage for unlisted offenses simply because they share legal similarities with enumerated ones.
United StatesInsurance
Adams & Adams
Adams & Adams
Article

US NAIC Summer 2026 National Meeting Highlights: Natural Catastrophe Risk And Resilience (EX) Task Force

The Natural Catastrophe Risk and Resilience Task Force of the US National Association of Insurance Commissioners convened to address the escalating challenges of catastrophe risks facing insurance markets. Key discussions centered on developing standardized mitigation programs, expanding flood insurance awareness, and scaling resilience initiatives like FORTIFIED home designations. The meeting also examined the evolving property/casualty reinsurance market and explored new hemispheric partnerships to streng
United StatesInsurance
Mayer Brown
Mayer Brown
Article

Paul Bain's Book, Art Law: Cases And Controversies, 2nd Edition, Was Published By LexisNexis

Paul Bain has completed the second edition of Art Law: Cases and Controversies, a comprehensive legal guide published by LexisNexis that examines the intricate legal frameworks governing art creation, transactions, collecting, and preservation. The publication features contributions from leading professionals and addresses how traditional art law principles intersect with modern challenges posed by the Internet and artificial intelligence technologies.
United StatesIntellectual Property
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

Ralph Levy And Julia Thibault's Article, "Overpayments Happen: Understanding CMS’s Updated 60-Day Rule," Was Published By Healthcare News

Healthcare providers face inevitable overpayments from CMS, but the consequences of mishandling them can be severe. The Centers for Medicare & Medicaid Services recently updated its 60-Day Rule, fundamentally changing how providers must identify and return overpayments to avoid False Claims Act liability and substantial penalties.
United StatesFood, Drugs, Healthcare, Life Sciences
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

Christopher Lynch’s Article, “Federal Rescheduling Sets The Stage For Marijuana Business Acquisitions As Pharma And Ag Firms Eye Industry (Op-Ed)," Was Published In Marijuana Moment

The FDA's rescheduling of marijuana from Schedule I to Schedule III signals accepted medical use and lower abuse potential, creating new opportunities for business consolidation. As pharmaceutical and agricultural firms eye the cannabis industry, companies must strategically position themselves as either consolidators or attractive acquisition targets in this evolving landscape.
United StatesCorporate/Commercial Law
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

From Intent To Agreement: Closing The Gap On LOI Drift In Healthcare Deals

LOI drift occurs when terms agreed to in a letter of intent fail to appear in the definitive agreement, creating costly gaps between the deal parties thought they closed and the contract that actually governs their relationship. A recent North Carolina case demonstrates how healthcare organizations can lose critical business understandings—from co-branding commitments to governance rights—when LOI terms aren't carefully tracked and incorporated into final agreements.
United StatesCorporate/Commercial Law
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

“A Word” About The Precedential Effect Of Older Michigan Court Of Appeals Decisions

The Michigan Court of Appeals recently clarified an important distinction in legal precedent: published decisions issued before November 1, 1990, while not mandatory under MCR 7.215(J)(1), remain binding precedential authority under stare decisis principles. This guidance addresses a common misconception among practitioners who may undervalue older published opinions compared to newer unpublished ones, when in fact the opposite is true under Michigan court rules.
United StatesLitigation, Mediation & Arbitration
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

Good People Doing Bad Things: When a Fraud Case Is About More Than the Fraudsters

When investors poured millions into an aircraft venture only to discover their brokers had diverted funds and concealed critical information, the path to recovery proved far more complex than simply proving fraud. This case reveals how commercial fraud often emerges not from elaborate schemes but from legitimate ventures under pressure, and why identifying all parties with potential liability—including seemingly innocent intermediaries—can mean the difference between a worthless judgment and act
United StatesLitigation, Mediation & Arbitration
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

A New Era For Patent Review: How Inventors Will Be Affected By The USPTO Director’s Reclaiming Of Authority In Challenges

The U.S. Patent and Trademark Office has undergone significant reforms that fundamentally alter how patent challenges are reviewed and decided. With Director John Squires reclaiming direct authority over inter partes review proceedings and new proposed rules limiting repeat challenges, the patent system is shifting toward greater stability and predictability for inventors and patent owners.
United StatesIntellectual Property
Dickinson Wright PLLC
Dickinson Wright PLLC
Article

Against The Digital Tide: Increased Regulatory And Consumer Pressure To Protect Physical Games And Digital Ownership

State regulators are intensifying scrutiny of digital goods marketing practices, particularly whether consumers understand the difference between purchasing ownership rights versus acquiring limited licenses. As major game publishers shift away from physical media toward digital-only distribution, lawmakers in California, Maryland, New York, and other states are proposing legislation requiring clearer disclosures about what consumers actually receive when they click "buy."
United StatesConsumer Protection
Dickinson Wright PLLC
Dickinson Wright PLLC