Captive insurance gives business owners the ability to insure their own risk, reduce insurance costs, and keep underwriting profits in-house. At Herbert Financial, we guide clients through forming and managing their own captive insurance company to align with risk tolerance and tax goals.

This strategy works especially well for companies paying significant premiums or dealing with coverage gaps in the traditional market. Captives provide greater customization, stability, and financial control over how risks are managed. Beyond savings, they also serve as powerful asset protection and wealth-building tools. If you’re serious about long-term control and profitability, this is a strategy worth exploring.