Question 1

What types of risks can I actually insure?

Accepted Answer

Common coverages include business interruption, loss of a key employee, contract, supplier, or vendor, cyber risk and data loss, legal and regulatory risk, reputational and brand risk, directors & officers liability, errors and omissions, construction defects, subcontractor default, and product warranties.

Every plan is built around your specific exposures through a formal actuarial assessment. No two policies are identical.

Question 2

What is the actuarial assessment, and why is it required?

Accepted Answer

An independent, licensed third-party actuary reviews your financials, operations, and existing commercial coverage to identify what's genuinely at risk and uninsured: across customers, suppliers, vendors, projects, technology, human resources, and property.

It's the compliance backbone of the structure: premiums grounded in decades of actuarial data rather than guesswork. You'll prepare a recent balance sheet, P&L, and the declaration pages of your existing policies.

Question 3

Does this replace my existing commercial insurance?

Accepted Answer

No. It layers on top. Your auto, general liability, property & casualty, and workers' compensation policies stay with your existing carriers, and catastrophic risks should generally remain with large commercial insurers.

Your private policies are written for the underinsured and uninsured risks outside those policies, rather than duplicating coverage.

Question 4

What happens if my business has a bad year?

Accepted Answer

The structure isn't subject to government-mandated contribution caps or market-performance requirements. Premiums follow your actuarially assessed risk profile, which can be re-evaluated annually. The reserves can function as a financial buffer for your business rather than an added liability.

Risk & Coverage

A FAQ can take you this far. One hour on a call takes you the rest.