Shield Your Business with an 831(b) Plan

Turn risk management into a powerful asset. Protect your company while building tax-advantaged wealth.

What is an 831(b) Micro-Captive?

An 831(b) Micro-Captive is a small insurance company owned by a business owner to insure against risks that are often too expensive or impossible to cover through traditional commercial insurance. It’s a powerful tool authorized by the U.S. Tax Code that allows businesses to better manage risk while retaining the profit from underwriting those risks.

Instead of paying premiums to a third-party carrier and losing that money forever, you pay premiums to your own captive insurance company. If claims are low, the profits stay in your control, growing tax-deferred.

Why Consider an 831(b)?

The benefits extend far beyond just insurance coverage.

Customized Coverage

Insure against specific risks like supply chain interruption, cyber attacks, or regulatory changes that commercial policies often exclude.

Tax Advantages

Premiums paid are tax-deductible for the operating business, and the captive insurance company pays 0% income tax on underwriting profits (up to $2.8M annually).

Asset Protection

Build up significant reserves in a separate legal entity, protecting those assets from the liabilities of your main operating business.