The Alternative Insurance industry now represents such a significant percentage of the commercial insurance market that it is not quite correct to call it "alternative" anymore. This market dynamic shift in part permits re-insurers to require insurance buyers to assume large portions of risk for their business. To answer this, today there has been a huge commitment by re-insurers to agree to terms in what can be called the Captive Risk Sharing model. In many ways, this has caused program business traditionally underwritten by Managing General Agents and the Surplus Lines market to change forever.

The Captive Alternative makes good sense for MGA’s, Industry Association Groups, Homogeneous and Heterogeneous Groups, Large Businesses, and even Small Business owners looking for wealth accumulation tools.. How the "owners" of risk utilize this Alternative Market to accept, transfer, and/or retain risk, using the Captive during different market cycles and business strategies, will ultimately determine the reward of the Captive.