Insurance Solutions | Caras Institute
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Insurance

Every Carrier.
The Right Coverage.

Access to virtually every licensed U.S. carrier plus Lloyd’s of London — with our oversight and guidance to ensure you’re protected at the right price. Including captive insurance formation for businesses that qualify.

All CarriersEvery licensed U.S. carrier plus Lloyd’s of London
Captive InsuranceFormation support for qualifying businesses
Full SpectrumProperty, health, group, travel, liability, and more

“Insurance isn’t a commodity purchase — it’s a strategic decision. The wrong coverage at the wrong price can be as damaging as no coverage at all.

Coverage We Arrange

Every Type of Coverage.
Every Stage of Growth.

From startup to enterprise, we match your business with the right program at the right price — and monitor it continuously so you’re never over- or under-covered as you grow.

01

Property & Casualty

Commercial property, general liability, business interruption, and umbrella coverage — structured for your industry and risk profile.

02

Group Health & Benefits

Competitive group health, dental, vision, and supplemental benefits programs that attract and retain the talent you need.

03

Professional Liability

E&O, D&O, and professional liability coverage tailored to the specific risks of your business model and leadership team.

04

Captive Insurance Formation

For businesses that qualify, captive insurance programs create significant tax advantages and long-term cost savings by self-insuring risk.

05

Specialty & Lloyd’s Access

Hard-to-place risks, international operations, and specialty coverages through our Lloyd’s of London access and specialty market relationships.

06

Annual Program Reviews

Insurance needs change as you grow. We conduct annual reviews and adjust your program — so you’re never paying for the wrong coverage.

The Captive Insurance Advantage

Self-Insure Risk.
Keep the Premium.

For businesses with consistent, manageable risk profiles, captive insurance allows you to effectively self-insure — keeping the premium dollars that would otherwise go to carriers and generating significant tax advantages.

  • Access to every licensed U.S. carrier — not just preferred partners
  • Lloyd’s of London access for complex and specialty risks
  • Captive insurance formation for qualifying businesses
  • Annual program reviews and ongoing cost optimization
  • No conflicts of interest — we represent your interests only
  • Full spectrum coverage: property, health, liability, specialty, travel
Carrier-Neutral Advice
We have access to every carrier — which means we recommend based on fit and price, not relationships or commissions.
Captive Expertise
Captive insurance is complex. We guide qualifying businesses through formation, management, and ongoing compliance.
Cost Optimization
Most growing businesses are either over-insured or under-insured. We find the right balance every time.
Integrated with Advisory
Insurance decisions connect to legal, financial, and M&A strategy. We make sure everything is aligned.

How It Works

The Process.

Clear steps. No surprises. Results you can see.

01

Risk Assessment

Understand your business model, operations, industry risks, and current coverage gaps.

02

Market Analysis

Survey the full carrier market — not a subset — to find the right program at the best price.

03

Program Design

Structure the right coverage combination, limits, and deductibles for your specific risk profile and budget.

04

Implementation

Bind coverage, manage the transition, and ensure all stakeholders understand what’s in place and why.

05

Annual Reviews

Ongoing monitoring and annual program reviews to adjust coverage as your business evolves.

“Jason’s team found us coverage through Lloyd’s for a specialty risk that three other brokers said was unplaceable. And the premium was 30% below what we expected to pay.”
CEO, Specialty Manufacturing Company
“The captive insurance program Jason’s team set up saved us over $200,000 in the first year alone. We had no idea this option was available to a business our size.”
Founder, Healthcare Services Group

Continue Exploring

Related Advisory Services.

Legal Services

Insurance and legal protection work best together.

Learn more →

Finance & Accounting Advisory

Captive insurance has significant financial and tax implications.

Learn more →

M&A Advisory

Insurance due diligence is a critical part of every transaction.

Learn more →

Start the Conversation

You might be paying too much
for the wrong coverage.

Book a free discovery call and we’ll do a quick assessment of your current insurance program — at no cost and no obligation.

Book Your Free Discovery Call

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