A reinsurance company of your own.

I.What it is

Insurance for the risks you're already self-insuring.

Most businesses quietly retain risk: deductibles, exclusions, contract disputes, key people, supply chains, weather. Today, a loss in any of those could come straight off your bottom line. Under The Latitude Plan, your own reinsurance company could cover them. A licensed actuary identifies your uninsured and underinsured risks, the carrier prices and issues the policies, and premiums are paid from your operating business as generally deductible ordinary business expenses. Confirm treatment with your tax advisor.

• 1.1Designed to layer on top of your commercial coverage, which stays in place
• 1.2You own the entity, its reserves, and its underwriting profit
• 1.3No long-term contracts. Treaties can be cancelled with written notice

II.What ownership means

You own the company. You make the calls.

Your reinsurance company's reserves are a working balance sheet. You own the entity and you are the only signer on its bank account. You decide how those reserves are put to work.

• 2.1You decide if and when a covered loss is submitted. The third-party carrier reviews and administers each claim
• 2.2Reserves can be invested (stocks, bonds, real estate, cash management), as you also participate in the underwriting profit
• 2.3Loans can be written from reserves, including related-party loans at or above the applicable federal rate
• 2.4Premiums are expensed on your operating P&L and are generally deductible. Confirm treatment with your tax advisor

III.Who it's for

Private U.S. businesses, $1M-$1B in revenue.

• Real operating risk

  You may carry meaningful underinsured or uninsured exposure: the kind that could hurt if it landed this quarter.

• Consistent profitability

  Premium capacity comes from your P&L. Profitable operators may capture the most value from retained underwriting profit.

• A long view

  Owners thinking in decades (asset protection, succession, and generational wealth) could see the most from reserves that compound.

IV.What's included

What the structure needs, in one engagement.

• Formal actuarial risk assessment

  An independent licensed third-party actuary identifies your uninsured and underinsured risks and recommends premiums to the carrier, which underwrites and prices each policy to real, identifiable risk.

• Company formation & licensing

  Your C-corporation reinsurance company, chartered and licensed by the sovereign tribal domicile, with favorable premium-tax treatment. We guide you through every formation step.

• 831(a) designation & annual filings

  The administrator prepares and files your company's annual federal returns under the 831(a) designation. There is no 831(b) micro-captive election, and the structure is built to avoid the characteristics the IRS has flagged.

• Policy drafting & issuance

  Manuscript policies underwritten and issued by a licensed third-party carrier with nearly three decades in private reinsurance, written to cover your specific underinsured and uninsured risks.

• Reinsurance treaty & ceding

  The treaty under which the licensed carrier cedes premium to your reinsurance company, documented and administered for the life of the structure.

• Ongoing management & claims support

  The carrier administers claims, and the administrator prepares cession statements, financial reports, and tax returns for the life of the structure. We stay on as your consultants: assisting with onboarding, compliance, and ongoing guidance.

V.Side by side

How The Latitude Plan compares.

VI.Quick answers

Three questions most owners ask first.