In an ever more competitive landscape, making the right strategic decisions is a vital part of being a successful business owner. At River Oak Risk, we help businesses generate a return on their risk through the use of captive insurance companies. Over 90% of Fortune 1000 companies use this tool already.
Why form a Captive?
Captives provide customized coverages for self-insured or under-insured risks. Captives complement your commercial insurance to give your business the most complete coverage.
Managed properly, the captive can be profitable from inception.
Structured properly, premiums can be deducted annually.
For small captives, the premiums received by the Captive are tax exempt, only investment gains are subject to taxation. ($1.2 million annually, escalating to $2.2 million in 2017).
We ensure that a captive fits into your overall risk management program – helping you make money on your risks.
We have been working with captive insurance solutions since 1992. River Oak Risk is an independent captive management company offering innovative and flexible options that deliver a full range of alternative risk transfer strategies to successful, privately held businesses.
How We Are Different
Many captive management companies focus solely on the tax benefits of a captive program. We don’t. Instead, we take a conservative, insurance driven approach. And all of our captives are onshore, in states that support captive business.
Our primary focus is on risk management. We work with clients to establish a comprehensive risk management program for their businesses incorporating their existing insurance programs with captive insurance to maximize the business owner’s financial well-being.