ACM Advantage PCC - Captive Insurance For All Business Types

Written by: Tim Luby, CEO

In today’s evolving insurance landscape, more organizations – from agribusiness, casinos, to universities, medical practices, to sporting events, restaurant groups, to medspa groups and every business between them – are facing premium volatility and looking for smarter, more stable alternatives to traditional insurance.That’s why we at Alliance Captive Management are excited to announce the launch of ACM Advantage PCC, our new Protected Cell Company (PCC) platform designed to bring the power of captive insurance to more businesses, faster and with greater flexibility.

What Is ACM Advantage PCC?

ACM Advantage PCC is a segregated cell solution that allows organizations to participate in a captive insurance structure without the high capital or administrative demands of forming a stand-alone captive.  Each participant operates in a legally distinct “cell,” with its own assets and liabilities, but benefits from the shared infrastructure of a licensed captive insurance company. Think of it as your own insurance company—without going it alone.

Why It Matters. Traditional insurance models are becoming increasingly expensive and unpredictable. Whether you're a university worried about NIL-related exposures (name, image & likeness) or a medspa looking for rate stability, ACM Advantage PCC allows you to:

• Reduce Startup Costs – Lower capital and formation costs than traditional captives

• Launch Faster – Streamlined onboarding and faster access to customized coverage

• Stay Flexible – Tailor your program to your specific risk and operational needs

• Grow With Confidence – Start with a cell and graduate to a full captive when ready

• Partner With Experts – ACM brings years of captive expertise, dedicated service, and industry insight and thought leadership

Built for Organizations That Think Ahead.

Captives are not just for the Fortune 500 anymore. Today, businesses of all sizes and sectors are leveraging this powerful insurance strategy to gain control, stability, and long-term savings. This platform is ideal for:

• Educational institutions managing emerging liability risks

• Privately held businesses seeking predictability in insurance costs

• Healthcare providers ready to take ownership of their risk strategy

• Professional services firms looking to customize coverage

• Transportation and logistics companies managing complex exposures

• Construction and real estate operations focused on long-term risk planning

• Retail and franchise groups aiming to reduce reliance on the traditional market

• Agricultural enterprises struggling to find coverage in the commercial marketplace or via federal programs

No matter the industry, if your business is financially stable and committed to proactive risk management, a captive could be the strategic solution you're missing.  We believe that risk management should be a strategic advantage, not a financial drag.

Ready to Explore?

If you’re evaluating how to better control insurance costs, protect your organization’s future, and join a growing community of proactive risk managers, let’s talk. ACM Advantage PCC is your gateway to modern, tailored, and effective insurance solutions. Message me directly t.luby@alliancecaptivemgt.com or visit www.alliancecaptivemgt.com to learn more.