A Live Educational Webinar
A clear look at the enterprise-risk strategy that lets profitable business owners protect against catastrophic loss while keeping the value of their own well-managed risk.
The Opportunity
The risks that could hurt your business most, like the loss of a key client, a key person, a cyber event, a supply-chain break, or a regulatory action, are often the very ones the commercial insurance market won't cover. So they go unprotected, sitting on your balance sheet.
There is a better way to think about it. The Arca enterprise-risk strategy lets a profitable business fund coverage for these low-probability, high-severity exposures using tax-deductible dollars. In the years no claim is filed, the business keeps the underwriting profit and investment growth on its own risk capital. In other words, you get to sit on the same side of the table as the insurance company.
This session is an hour of education, not a sales pitch. Rich VanderSande will interview industry experts and walk through how the structure works, who it fits, and the questions a careful owner should ask before considering it.
What You'll Take Away
One strategy that addresses risk, taxes, and long-term capital at the same time, a combination you rarely find in insurance.
Fund coverage for catastrophic business exposures with tax-deductible dollars, since commercial insurance premiums are a qualified business expense under IRC §162(a), instead of leaving those risks unfunded.
When claims are favorable, you share in the underwriting profit and investment income your own careful risk management creates. That is value that would otherwise become an insurer's profit.
Capital is professionally managed by an RIA of your choosing in a bankruptcy-remote account, and can later support succession, an exit, or wealth transfer through a structured option arrangement.
A Quiet Truth
Traditional insurance keeps the premium when no claim is filed. This structure lets the business owner keep the value of the risks they manage well.
Who Should Attend
This strategy is not for everyone. It tends to fit business owners who meet a few plain conditions.
You have retained earnings to deploy and a tax bill large enough that tax reduction matters.
Key-person, key-client, cyber, supply-chain, brand, or regulatory risks that the commercial market doesn't cover well, if it covers them at all.
You'd rather your risk-management spending accumulate long-term capital than simply disappear as premium each year.
If any of these describe you, Arca is worth an hour of your time.
Reserve Your Seat
Questions? Reach Rich directly.
224-256-2980 · richv@smartstewardship.com