Leveraging 831(b) Micro Captives to Bridge Growing Commercial Insurance Coverage Gaps

Story Summary

As traditional insurance policies face rising premiums, tighter sub-limits, and broader exclusions, small and mid-size businesses are increasingly exposed to significant coverage gaps. Dustin Carlson of SRA 831(b) Admin argues that 831(b) micro captives offer a disciplined, tax-advantaged mechanism to finance these retained risks. When integrated with robust operational continuity planning, these structures provide essential liquidity and customization for exposures.