Insurance can be a very pricey expense.  It  should 'not' be considered an investment! 

Paying guaranteed premiums to an insurance company who writes the protection contract and agrees to indemnity on its terms is the customary way for most  to do business.

There are alternatives available to  midsize companies that  Captives can provide. 

Reasons to consider a captive during the mature stage of business and within 5 years or more of their exit strategy:  

Control, contract flexibility, profitability and tax deductibility

See me to have a discussion of your business needs.

See attached article that was recently published about me as an emerging talent in this field