Home For over four years, Stonewall Insurance Services has provided a full range of actuarial services and support to captive insurance companies in several domiciles.   Our Clients have included diverse risks from bakeries to residential developers, with varying risk appetites from high excess layers to first dollar programs.     We have created insurance and coinsurance programs for many types of risk from commercial auto fleet physical damage, property pools, product liability and recall to WC retention programs.   Alternative Risk Management (ARM) is an alternative to traditional insurance. A company’s risks are funded by means other than the purchase of insurance through an agent broker from an admitted insurer. ARM forms include surplus lines placement, self-insured trusts, risk retention groups and captives. The alternative market seeks to avoid costs associated with insurance brokerage and allow a business to finance its own risk. At Stonewall, we gather statistical information and evaluate your risk to produce a rate. We play a key role in the formation of a captive because they determine the premium a company will pay through its previous loss history.   Turhan Murguz, FCAS has over 15 years of experience in primary insurance and reinsurance, pricing and reserving for commercial and public entity risks in many lines of business, from Auto warranty programs to WC aggregate stop contracts.   We believe the best approach is to create a captive that suits the needs of the owner by considering all aspects of a captive, such as risk appetites, funding, traditional insurance availability and cost, and plans for future growth.