KT Captive Insurance Advisors

KT Captive Insurance Advisors www.ktcaptiveadvisors.com
Our insurance is powered by our broker team to provide group captive insurance opportunities.

Today, we remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage, ser...
05/25/2026

Today, we remember and honor the brave men and women who made the ultimate sacrifice for our country. Their courage, service, and dedication will never be forgotten. 🇺🇸

From all of us at KT Captive Insurance, we wish you and your family a safe and meaningful Memorial Day.

Every year your company stays in the wrong insurance structure, you pay a cost that never shows up on any invoice. It's ...
05/13/2026

Every year your company stays in the wrong insurance structure, you pay a cost that never shows up on any invoice.

It's the cost of capital that left and never came back.
Premiums pooled with a carrier. Surplus staying with the insurer because claims were low — and no structure to return it. Investment income earned on funds that were yours in all but name.
None of it shows as a line item. It's invisible. Which is exactly why most business owners never ask about it.
The conversation around group captives usually starts with a CFO doing the math — casualty premiums over 5–10 years, claims history, how much stayed in the carrier's column.
That number is not comfortable.

The companies that act on it are the ones who finally had the right conversation.
If that conversation hasn't happened for your business yet — it's worth asking why.
📩 Send us a DM to run the math for your business.

A patch isn't a plan. Group captives are for companies ready to fix the structure, not just cover the crack. 🩹
05/05/2026

A patch isn't a plan. Group captives are for companies ready to fix the structure, not just cover the crack. 🩹

Treat yo' self… to an insurance program where good loss performance doesn't disappear into someone else's profit margin....
04/29/2026

Treat yo' self… to an insurance program where good loss performance doesn't disappear into someone else's profit margin. 💸

Traditional insurance got you looking like the second picture every year? In a group captive, your results actually matc...
04/22/2026

Traditional insurance got you looking like the second picture every year? In a group captive, your results actually match or even beat the plan. 📊

Started with one renewal. Ended up renegotiating everything. Sound familiar? There's a better way. 🐿️
04/15/2026

Started with one renewal. Ended up renegotiating everything. Sound familiar? There's a better way. 🐿️

Some decisions take way too much energy… only to realize the answer was a group captive all along. 😮‍💨
04/08/2026

Some decisions take way too much energy… only to realize the answer was a group captive all along. 😮‍💨

Your premiums went up. Your claims went down. Nobody explained why. 👇The traditional insurance model pools you with ever...
03/19/2026

Your premiums went up. Your claims went down. Nobody explained why. 👇
The traditional insurance model pools you with every business in your industry — the careful ones AND the careless ones. Your safety record becomes invisible. Your rate goes up anyway.
If you're paying $150K+ in annual premiums and running a cleaner operation than most of your competitors, you've been quietly subsidizing them for years.
There's a different structure. It's called group captive insurance.
Businesses with strong safety records stop funding everyone else's risk — and start recovering their own premium dollars.
It exists. It works. Most brokers just never mention it.
🔔 Follow us to learn how the group captive model could work for your business.

Loss ratios tell part of the story but not the whole one. True risk management success goes beyond last year’s numbers a...
02/18/2026

Loss ratios tell part of the story but not the whole one. True risk management success goes beyond last year’s numbers and focuses on control, predictability, and long-term resilience.

👉 Read the full article on our website to learn how to measure what really matters in risk management.

There’s a lot of confusion out there about group captives and that’s normal. So let’s make it simple: Ask us anything ab...
02/17/2026

There’s a lot of confusion out there about group captives and that’s normal.

So let’s make it simple:

Ask us anything about captives and we’ll respond.

No pressure. No jargon. No sales pitch.

Common questions we get:

• Are captives only for big companies?
• What actually happens if we have a bad claims year?
• How do dividends really work?
• How risky is it… really?

If you’ve ever wondered whether a captive is right (or wrong) for your business, drop your question below or message us privately.

👉 We’ll answer clearly and honestly.

Address

605 S
Amarillo, TX

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