Episode
MB530: How to Use Captive Insurance to Stop Losing Money on Premiums - with Nicolas Lares
- Published
- Jun 30, 2026
- Duration seconds
- 1703
- Processing state
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- http://www.themichaelblank.com/
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Summary
In this episode, Michael Blank sits down with Nicolas Lares, founder and CEO of Insur3Tech, to tackle one of the biggest challenges facing real estate investors today: skyrocketing insurance costs. Nicolas shares how his experience building innovative insurance solutions for Amazon's logistics network led him to create a group captive insurance model that gives real estate investors—from single-family landlords to large multifamily operators—more control over one of their fastest-growing expenses. They discuss why insurance premiums continue to rise, how captive insurance works, and why this alternative model can reduce costs, improve coverage, and even generate profit distributions for policyholders. If you're looking for practical ways to protect your portfolio and improve cash flow, this episode offers a fresh perspective on an often-overlooked wealth-building strategy. Key Takeaways Traditional Insurance Is Becoming a Major Threat to Cash Flow Rising premiums, reduced coverage, and increasing claims costs are making insurance one of the biggest challenges for real estate investors today. Captive Insurance Gives Investors More Control By joining a group captive, investors become part owners of the insurance company, allowing them to potentially lower costs while sharing in the company's profits. Smaller Investors Can Now Access a Strategy Once Reserved for Institutions Group captives make it possible for investors with just a few rental properties to benefit from a model that was traditionally only available to large portfolio owners. Lower Claims Lead to Lower Long-Term Costs Captive insurance aligns incentives by rewarding responsible owners who actively manage risk instead of encouraging unnecessary claims. Strong Underwriting Protects the Entire Group Careful me…