Insurtech Practice Group

Turning Risk into Reward with Expert Captive Management

Insurtech companies are at the forefront of transforming the insurance landscape through technology.

They face unique challenges such as rapid scale-up, regulatory compliance in diverse jurisdictions, and the need to innovate continuously while managing risks. As such, Insurtech firms might consider forming a captive or pursuing alternative risk transfer strategies that:
  • Ailgn their risk management strategies with their fast-paced growth.
  • Access bespoke coverage that matches Insurtechʼs innovative business models.
  • Capture underwriting profits as a revenue stream to reinvest in technology and growth.
SRS supports Insurtech companies by designing captive solutions that are as innovative as Insurtech business models. Our services include the development of captives that can quickly adapt to Insurtechʼs evolving risk landscape and provide both regulatory support across jurisdictions as well as proprietary insurance products that serve unique Insurtech needs. This approach not only secures comprehensive coverage but also aligns with the Insurtech ethos of innovation and disruption.

Benefits & Outlook for 2025... & Beyond

Insurtech firms working with SRS can expect to leverage captive insurance solutions to achieve significant cost savings, enhance product offerings, and improve investor appeal through innovative risk management strategies. With an SRS partnership in play, key metrics for success can include a reduction in the Total Cost of Risk (TCOR) and an increase in speed to market for new products.

Looking ahead, the Insurtech sector is poised for continued rapid growth and innovation, making it an opportune time for companies to solidify their risk management foundations with help from SRSʼ captive solutions.

InsurTech Practice Group FAQs

How do captives support innovation within Insurtech companies?
Captives provide Insurtech firms with the ability to create and insure new products and services quickly, without the constraints of traditional insurance markets—fostering both innovation and competitive advantage.
Can a captive help Insurtech startups manage their operational risks? 
Absolutely. For startups, captives offer a cost-effective way to manage operational risks such as cyber risks, professional liability, and intellectual property risks (which are all critical to the growth phase).
What is the process for an Insurtech firm to establish a captive with SRS?
SRS guides Insurtech firms through the entire process, from feasibility analysis and domicile selection to captive formation and operational management, ensuring the solution is tailored to the firm’s own innovative business model.
Are there regulatory advantages for Insurtech firms using captives?
Yes, captives can offer regulatory efficiencies—especially in managing cross-border risks and compliance—by centralizing the risk management of diverse operational activities within one entity.
How do captives enhance the value proposition of Insurtech firms for their customers? 
By using captives to underwrite unique risks, Insurtech firms can offer more personalized and competitive insurance products, enhancing customer satisfaction and loyalty. 

About Strategic Risk Solutions

SRS is the world’s largest independent insurance company manager. With over 25 years’ experience, SRS provides management and consulting services to a wide range of insurance company structures, from single-parent captives to complex commercial insurers and reinsurers. SRS has operations in North America, South America, Europe, Barbados, Bermuda, Canada, Cayman Islands, and South Africa.
Establish a trusted partnership with SRS.
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