Private reinsurance & alternative risk management
Keep your commercial coverage. Own what it leaves out.
The Latitude Plan establishes a privately owned reinsurance company that covers the risks your commercial policies exclude. Your commercial coverage stays where it is. Net of claims, the underwriting margin a carrier would normally keep could build inside a company you own.
One hour. No obligation.
The structure
One structure, refined over three decades.
Most owners discover the same thing when they read their policies closely: meaningful risks are excluded, sublimited, or priced out of reach. The Latitude Plan is built to address those underinsured and uninsured risks without touching the coverage you already have.
- 1.1Your commercial policies stay where they are.
- 1.2The private company covers risks that would otherwise go uninsured.
- 1.3Net of claims, underwriting profit accumulates as your asset.
- 1.4Reserves are invested as you also participate in the underwriting profit.
The numbers
The structure is established. The scale is public record.
- 92%of Fortune 500 companies use a form of private reinsurance
- $800Bin assets held inside private reinsurance structures
- 30+states where our team has guided owners through the structure
Sources: Marsh Captive Landscape Report and AM Best/NAIC captive market data. Firm figures from internal records.
Oversight
Six parties, each with a defined role.
The Latitude Plan is deliberately not a do-it-yourself arrangement. Every function that requires a license is performed by a party who holds one.
| Party | Role |
|---|---|
| You | Own the company, control the reserves, and remain the sole signer on its bank account. |
| A sovereign U.S. tribal domicile | Charters, licenses, and regulates the reinsurance company. |
| An independent licensed actuary | Assesses the underinsured and uninsured risks of your business. |
| A licensed third-party carrier | Underwrites, issues the policies, and administers claims. |
| Administrator | Administrates, prepares cession statements and financial reports, and files tax returns. |
| Reinsurance Specialties | Educates, coordinates the licensed third parties, stays with you through formation, and assists with compliance. |
Suitability
Built for operators with real risk: $1M-$1B in revenue.
The structure fits closely held U.S. businesses with consistent profitability and risks their commercial policies exclude. Our team has guided owners across these industries, among others.
Engagement
Typically four to six weeks from engagement to a licensed company.
- Book a Call.One hour. No obligation.
- Feasibility and formation.The domicile charters and licenses the company. An independent actuary assesses the underinsured and uninsured risks of your business.
- Ongoing oversight.Onboarding, then our team assists with compliance.
Prefer to see it on your own time first? The iDecide presentation walks through the structure in about twenty minutes.
View the iDecide presentationBook a Call
One hour. No obligation.
A one-hour presentation of The Latitude Plan, then your questions. Your CPA or attorney is welcome on the line.