Resources & Insights

A cell captive—sometimes referred to as a protected cell or segregated cell—is a flexible structure that lets a business participate in the benefits of a captive insurance company without having to create one from scratch. Each cell exists within a larger licensed framework (called a core or protected cell company) but maintains its own distinct assets, liabilities, and results, fully separated from other participants.

By "renting" a cell, an organization can quickly establish its own risk financing vehicle while leveraging the existing infrastructure, regulatory approvals, and expertise of the core. This approach provides the control and financial advantages of captive ownership with significantly less capital, time, and administrative complexity.

Businesses form cell captives to take greater control over their insurance costs, coverage, and long-term risk strategy—without the heavy lift of building a standalone captive. Traditional commercial insurance often leaves companies frustrated by rising premiums, limited flexibility, and lack of transparency into how their risks are priced. A cell captive flips that model.

Through a cell structure, a company can:

• Retain underwriting profit and investment income that would otherwise go to insurers.
• Stabilize premiums over time by funding predictable losses rather than paying for volatile market cycles.
• Access broader or custom coverage not readily available in the traditional market (e.g., credit risk, extended terms, contingent cargo, warranty programs, etc.).
• Leverage reinsurance markets directly, often achieving better pricing and program design.

In short, forming a cell captive lets a business transform insurance from a cost center into a strategic financial tool—retaining control, improving cash flow, and aligning insurance spend with performance.

Eagle Guard exclusively serves successful business owners with taxable income, allowing us to offer specialized products and personalized service that mass-market insurers cannot match. Our team consists of experienced entrepreneurs who understand the unique risks and challenges of business ownership firsthand.

We serve private company owners with significant taxable income who need sophisticated insurance solutions. Our typical clients are successful entrepreneurs, business owners, and executives who require protection that goes beyond standard commercial policies.

Our consultation begins with a comprehensive risk assessment of your business and personal assets. We then develop a customized insurance strategy that addresses your specific needs, timeline, and budget. The entire process is confidential and designed to fit your busy schedule.

We guarantee a 24-hour response time for all client inquiries and service requests. For urgent matters, our clients have direct access to senior team members. Our exclusive client base allows us to provide this level of personalized attention and rapid response.

Our team continuously monitors regulatory changes, market trends, and emerging risks that affect business owners. We maintain relationships with leading insurance carriers and regularly update our strategies to ensure our clients always have access to the most current and effective protection options.