Captive Management

Many captive management companies focus solely on the tax benefits associated with a captive program. Instead, we maximize the overall financial benefits of a comprehensive risk management program which includes a captive insurance program as one of its key elements.

The first step is determining if your business operations and financial performance make it suitable for a captive program. If the result of the feasibility study is positive, we then provide turnkey services all the way through design, licensing, formation and operation of your captive.

Since we take a conservative risk-based approach to captive solutions, we think it is vitally important to have checks and balances for your captive. We do not attempt to offer CPA, legal or actuarial services. Instead, we have strategic relationships with leading providers in these areas, and also willingly work with your trusted advisors to ensure complete transparency and security around any captive solution.


  • Feasibility Study
  • Business Plan
  • Licensing and Regulatory Compliance
  • Preparation of Reports for your Accountant and Tax Preparer
  • Underwriting and Policy Issuance
  • Claims Management
  • Corporate Governance
  • Annual Renewals

Captive Manager Code of Conduct 

River Oak Risk adheres to the Self-Insurance Institute of America Captive Manager Code of Conduct. Doug MacGinnitie, CEO of River Oak Risk was on the SIIA committee that was responsible for drafting and implementation of the Code of Conduct. Click here to read the full of conduct.

Additional Services:

Multifamily & Student Housing Tenant Liability

Multifamily & Student Housing Tenant Liability

We are not insurance brokers and do not sell renter’s insurance. We help Landlords capture the economics that they are currently producing for others.
Our programs create new revenue and decrease expenses.

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Self Storage Program

Self Storage Program

Our program takes control of the renter’s insurance obligations and creates a new profitable arrangement for the Owners, better than anything in the market.

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MGA/MGU Reinsurance Captives

MGA/MGU Reinsurance Captives

We work with MGAs and MGUs to establish and operate reinsurance captives that allow participation in the programs they create and run, resulting in new profits for them.

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We ensure that a captive fits into your overall risk management program – helping you make money on your risks.