There are risks which are too expensive to insure, risks too difficult to obtain coverage for with decent policy conditions or coverage’s that are simply impossible to obtain.  Smaller business tends to simply self insure that risk without consideration for the complete lack of banking in the current environment.  A cash flow crisis following an uninsured peril can mean the end of a family business.   For all these situations captive insurance can provide tax deductible pre-funding mechanisms that make total sense and do the job.  Not only that but our experts can put this together in IRS safe harbor conditions so that the only risk you are taking are the risks that you intend.