We are a captive manager, forming and managing captive insurance companies. Captive insurance is a form of self-insurance, whereby companies, regardless of industry, establish their own insurance company to insure their risks. Our business is to help form and manage those captive insurance companies. Another way to say it is that we are risk managers, helping our client companies manage their risk. While we will operate in other states and, perhaps other countries, our initial focus will be to form and manage captive insurance companies in Connecticut. As the "Capital of Insurance" in the United States, Connecticut recently passed a law to become a domicile for captives.