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Toby Mathis
Learn Why Captive Insurance is The BIG Business Tactic YOU Want To KNOW!

Economies go up and down. Things are really good, right now. But we all know the bottom will drop out at some point. It always does. Are you prepared to make it through the next recession?  

Do you have a “rainy day fund” to deal with the downturn? Risk mitigation is an absolute must for small-to-middle market business owners. Today, Toby Mathis of Anderson Business Advisors talks to Van Carlson of Strategic Risk Alternatives about protecting your business in a downturn economy with captive insurance. 


  • What happens to businesses when the economy takes a turn? Thrive or don’t survive
  • Concept of Captive Insurance: Incentive and tax advantage to own your own insurance company; self-insuring risk is not a deduction
  • What are the limitations? Insurance company not defined by Congress; different views from taxpayers and departments, lead to lawsuits and court cases
  • Four-part Test: Owning your own insurance company requires risk of transfer, distribution, fortuitous, and acting in principles of insurance 
  • Recommended Liability Policy Coverage: Brands, supply chain risk, dispute resolution
  • Unknown future of dividend capital gains; defer taxes today, mitigate risk, and clients win
  • Estimated cost to form own insurance company is $5,000, plus $5,000 to maintain it
  • Three Simple Rules: If you have risk, calculate it; if you have tax liability, calculate it; and determine benefits 


Tax Reform Act 1986 (TRA) with 831(b) Tax Code 

Fortune 500 Companies

Toby Mathis

Anderson Advisors

Anderson Advisors Tax and Asset Protection Event

Anderson Advisors on YouTube

Full Episode Transcript

Toby: Hey, guys. This is Toby Mathis with the Anderson Business Advisors podcast. Thanks for joining us. Today, I have Van Carlson from Strategic Risk Alternatives, which is basically, creating your own insurance company. It’s actually a really cool concept that I’m excited to be able to share with you guys. I’m going to introduce Van. Hey, Van, thanks for coming and joining us.

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