Captive Insurance and Alternative Risk Transfer Specialty

What is “Captive Insurance”? In very simple terms, captive insurance is the use of a separately incorporated insurance company to cover the risks of one or more individuals or legal entities that are directly or indirectly related to the insurer, and able to exercise some degree of control over the captive insurer. There is a broad range of structures that are viewed as captive insurance structures in the industry, with some deviations from this basic definition.

Who uses “Captive Insurance”? In the last decade, captive insurance and other forms of alternative risk transfer have become a major, and in some industries dominant, form of protection against liability risks. The healthcare industry is one field in which captives are commonly used, where they may be owned by a single hospital or hospital system, a group of unrelated hospitals, a large group of physicians, or a chain of nursing home facilities. Captives are also commonly found insuring various other large organizations, such as certain retailers, distribution businesses, and transportation concerns.

Our practice: Our captive insurance and alternative risk transfer practice is responsive to client needs. We may provide ongoing, general representation of a captive in a variety of corporate, insurance and regulatory matters, or we may handle specific, isolated matters or simply be available when legal questions arise. We have experience with a wide range of captive insurance and alternative risk transfer structures, including:

* Offshore single-parent captives
* Offshore group captives
* Segregated cell captives
* Offshore captives making the 953(d) tax election
* Domestic captives
* Risk retention groups
* Risk purchasing groups
* Self-insurance trusts
* Rent-a-captive arrangements
* High deductible arrangements

We believe that our captive insurance and alternative risk transfer practice is distinguished by our breadth of experience, our ability to provide focused attention and be responsive, and our cost effectiveness.

Our captive insurance expertise: Zach Fryer is the firm's primary attorney for captive insurance and alternative risk financing matters. Mr. Fryer has nearly seven years of experience working with captive insurers and related structures. Mr. Fryer has worked with a range of captive types, including offshore single-owner and multi-owner captives, segregated portfolio company captives, rent-a-captives in several domiciles (Bermuda, Cayman, and Barbados), and onshore captives and risk retention groups domiciled in South Carolina, Arizona, Nevada, and Kentucky. He has worked on the formation, ongoing operation, and winding-down of captives in various circumstances, as well as the transfer of risks between separate captives, and between a self-insurance trust and a captive. Mr. Fryer has spoken on captive insurance at several conferences, and is a contributing author to one of the few published books on captive insurance, Alternative Risk Financing for Healthcare Organizations, published by the American Health Lawyers Association in 2005.

Jill Krolikowski provides support for Mr. Fryer in captive insurance matters, as needed. Ms. Krolikowski practiced with Mr. Fryer for more than two years at the same large law firm, working with him and other attorneys on a wide range of captive insurance matters, as well as other types of insurance matters including research and evaluation of state regulatory issues in various U.S. states, the evaluation of insurance coverage positions and questions of coverage under various insurance policies, and litigation of insurance coverage matters.

For more information about the Good Firm and their practices, please follow this link http://thegoodfirm.com

Real Estate

Our real estate practice is led by Andrew Capelli, who has over a decade of experience in real estate law and transactions, both as an attorney and as a resident agent for title insurance. Mr. Capelli has reviewed thousands of title abstracts, loan documents and purchase agreements, and he has personally handled over two thousand real estate closings.

Our firm handles a range of real estate matters for individuals and businesses. Areas of real estate law in which we can assist you include:

Selling or buying residential real estate: Whether a cash sale, financed purchase, land contract or even a 1031 exchange, we can draft offers to purchase, disclosure documents, counteroffers and other contracts, or review such documents prepared by another party.

Leases and rental agreements: We can draft or review your lease and assist you with the enforcement of your contractual rights. Also, we can help landlords with evicting delinquent tenants, and help tenants review their options when they have fallen behind or have other problems with their rented property.

“Quiet title”: Unrecorded or improperly recorded documents, misapplied tax bills, fraud by other parties, and other discrepancies can unexpectedly cause you problems when you are looking to sell or refinance your home. We can track down and repair the “blemishes” to your home’s chain of title so that you can use or transfer your property as you wish.

Real estate litigation: Seller disclosure issues, easement disputes, boundary disagreements, enforcement of real estate contracts and other matters often require litigation. We have the experience and skill to represent you in such matters, whether you are a plaintiff or defendant.

For more information about the Good Firm and their practices, please follow this link http://thegoodfirm.com

Divorce 101: Divorce Law in Michigan

KROLIKOWSKI, CAPELLI & FRYER, PLLC

presents

DIVORCE 101:

EVERYTHING YOU NEED TO KNOW
ABOUT DIVORCE LAW
IN MICHIGAN

If you are contemplating a divorce, we understand that this is one of the most difficult decisions you will ever make. We can educate you to make the right decisions for you and your family. This seminar will include information on:

Anatomy of a Divorce: The Divorce Proceeding from Beginning to End

Divorce by Default: How to Keep Costs Low in an Uncontested Divorce

Child Custody: The “Best Interests” Standard and
Physical/Legal Custody

Jill M. Krolikowski and Andrew M. Capelli have been practicing law for a combined twenty years. Ms. Krolikowski is the former President of the Women’s Bar Association and Mr. Capelli is a founding member of PROTECT, an anti-child abuse organization. They represent both women and men in divorce and child custody matters.

Seminars are being held on:

Monday, October 27, 2008 at 6:00 p.m. to 7:30 p.m.
and
Saturday, November 1, 2008 at 12:00 p.m. to 1:30 p.m.

Please register by calling either Ms. Krolikowski or Mr. Capelli at 248-336-9680. Seating is limited to fourteen people and is at our office in Royal Oak. The cost of the seminar is $50.00 - payable by cash or credit card.

KROLIKOWSKI, CAPELLI & FRYER, PLLC
123 S. Main, Suite 100
Royal Oak, MI 48067
248-336-9680
www.thegoodfirm.com


For more information about the Good Firm and their practices, please follow this link http://thegoodfirm.com