Insights
Plain-English guides to captive insurance
Every fact has a dated, linked source. Where a figure is Steve Tunstall’s own estimate, it says so.
Is a captive right for us? Captive ready or captive curious?
Is a captive right for you? Plain-English signs you are ready, from a clear purpose and usable loss data to board support, plus when you are only curious.
Fully owned captive or protected cell: what's the difference?
A fully owned captive is yours alone to control; a protected cell is a ring-fenced slice of someone else's insurer. How ownership, liability and exit differ.
What does a captive feasibility study involve, and cost?
A plain-English guide to what a captive feasibility study covers, the data you supply, who can do it, how long it takes, and what the sources say about cost.
Total cost of risk (TCOR) explained in plain English
Total cost of risk adds premiums, retained losses and admin costs. See what it includes, how to measure it and where it falls short before a captive decision.
How to take a captive proposal to your board
What a board is really being asked to approve when a captive is proposed: the capital at risk, who governs it, how to exit, and the questions to ask first.