Family offices face the ongoing challenge of balancing risk, cost, and wealth preservation across complex, multi-generational insurance portfolios. While captive insurance companies are a sophisticated strategy for some, shifting market conditions are also creating new opportunities within traditional insurance.

In this episode, we explore where – and how – captives fit into the family office ecosystem. Join us as we sit down with Linda Bourn, leader of our Family Enterprise Risk practice, and Seth Madnick, one of Alliant’s captive insurance specialists, to discuss how families can evaluate captives alongside traditional insurance as part of a comprehensive risk management strategy.

Key Topics Discussed:

• The Insurance Profile of Wealth: Defining the typical insurance needs for multi-generational families and shifting the perspective from “annual renewal” to “long-term wealth management strategy.”
• Market Dynamics: How stabilizing property markets are changing the conversation around alternative risk financing compared to previous years.
• Strategic Evaluation: Understanding when and why a family office should begin evaluating captives, and determining if they are the right tool for a family’s specific goals.
• Captives 101: Exploring the differences between single-parent and group captives, including the advantages, trade-offs, and governance considerations for each.
• Holistic Planning: Strategies for integrating insurance decisions into broader family governance and long-term wealth objectives rather than viewing them as isolated financial exercises

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For more resources and information, check out https://alliantprivateclient.com/

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