In Guidry-Burnham’s view, the captive mannequin exposes an organization to longer-term repercussions than the normal P&C construction. “All the pieces that you just do right this moment has that longer-term influence, for much longer than you see within the conventional PMT market,” she stated. Premiums don’t simply transfer by way of the system – they affect ongoing capital wants, reserve constructions, and reinsurance price curves for years. Missteps early on can create cascading monetary and regulatory complications later.
