FRS offers . . .

Independent underwriting services tailored to:

○  Captive insurance programs
     ~ Single parent (or pure) captives
     ~ Mid-market captives -- sometimes referred to as 831(b) captives
     ~ Group captives such as agency, industry, association, risk retention groups (RRGs), and pool captives
     ~ Special category captives such as series LLC, segregated cell, and segregated portfolio company captives
○  Self-insured group programs
○  Joint Powers Authorities (JPAs) insurance programs

Filling the outsourced needs of:

○  Corporations
○  Boards of directors -- captive insurance companies/self-insured groups/JPA
○  Program administrators
○  Captive management firms
○  CPA firms
○  Insurance brokers

Working on the following types of projects:

○  Pre-feasibility underwriting analysis/review  -- Does a captive or self-insured approach make economic sense?
     ~  identification of potential areas of insurable risk
     ~  preliminary risk qualification/quantification
○  Feasibility underwriting analysis/review -- What are the risks suitable for the captive or self-insured plan to address and what would be applicable coverage terms and ranges in pricing?
     ~  in depth analysis and review of potential areas of risk 
     ~  commercial insurance policy coverage analysis paying particular attention to limits/sublimits, deductibles   and exclusions
     ~  examine non-traditional risks not currently covered by commercial insurance which might be insured in a captive or other self-insured facility
     ~ produce an underwriting report suitable to incorporate into actuarial feasibility or rate study
○  Self-audit examinations -- Is an existing captive or self-insured plan properly underwritten given current business climate, regulatory environment and claims experience? 
     ~  analyze claims data and determine whether retained risk selection/pricing remain adequate
     ~  provide recommendations on potential adjustments and revisions to captive program or self-insured plans
○  Loss sensitive program analysis -- Does a current large deducible or SIR program (e.g. workers' compensation, general liability, auto liability, inland marine, professional liability, etc.) lend itself for treatment within a captive or other self-insured approach?
     ~  underwriting recommendations on potential structure
     ~  suggestions on available fronting carriers if necessary
     ~  guidance on reinsurance/excess insurance considerations
○  Underwriting guidelines - review and development -- Are underwriting guidelines suitable to ensure that a captive or self-insured plan will meet desired growth expectations while achieving long term solvency?
     ~  development of eligibility and qualification criteria
     ~  put forth suggested multi-year performance benchmarks
○  New/renewing underwriting quotations for group captive participants/self-insured group members
     ~  perform analysis and release individual quotations
     ~  perform renewal analysis/review of existing portfolio 
○  Expert testimony on matters involving captive or self-insured plan underwriting