Companies paying high premiums but having a grasp of potential liabilities are candidates to take on their own insurance responsibilities, usually with guidance from captive consulting experts. The so-called captive assumes a portion of the risk, with the balance distributed to a reinsurance company or similar entity.

The captive consulting company will assess the level of risk that should remain with the company. The balance of the policy goes into the hands of the reinsurance company at a rate that undercuts commercial insurers.

Benefits of Taking on the Responsibility

By insuring itself with the guidance of the captive consulting agent, the company in essence pays premiums to itself and can reap investment income until it has to make payments on claims...

Most people who have never had a prolonged interaction with the criminal justice system have no idea that bail bond services are not all the same. While prices are fairly competitive in the field, the available hours a bond service has for call can vary a lot, and so can the speed at which they work. That’s not the biggest reason why your choice about who to call first is important, though. The biggest reason is because you need to know you are calling the right type of bond service. States and the federal government each have their own criminal justice system, and bond services need to have the professional credentials to operate in each system. That means you might not be able to get all your bonds in one place.

Simplify Your Search

One of the easiest ways to make sure you will have t...