How Physicians Can Use Captives to Reduce Malpractice Costs and Build Real Enterprise Value

Physicians have no idea they can own their own insurance company—and stop bleeding cash into carriers who never return a dime. In this conversation, Collin Krickl breaks down how captives, self-funding, and enterprise-risk coverage can transform a practice’s balance sheet.

CLIP SUMMARY

Dutch sits down with Collin Krickl of Leon Capital & Bastion Insurance Group to explain how medical malpractice, property, and enterprise-risk insurance can be re-engineered to give physicians control instead of draining their operating cash. They cover how to move from premiums to contributions, how to build real enterprise value, how to handle property challenges nationwide, and how multi-specialty groups can insure risks no carrier will touch.

TACTICAL TAKEAWAYS

Physicians can own their own insurance company through a captive—and keep underwriting profit.

Premiums are expenses you never see again; contributions build assets.

Captives allow you to manage claims internally instead of fighting third-party carriers.

Years of actuarial data make practices perfect candidates for self-funded medmal.

Small groups (10+) can build enterprise-risk captives covering risks no carrier underwrites.

Distributed risk across physician-owned captives can reduce property costs nationwide.

Control is the most valuable asset physicians are missing today.

WHO THIS IS FOR

Independent physicians
POHs
ASC owners
Multi-specialty groups
Operators tired of watching insurers build wealth on their backs
Anyone looking to understand enterprise-risk strategy in healthcare

CALL TO ACTION

If you’re a physician who wants to stop paying for someone else’s jet and start building your own balance sheet, subscribe and watch the full episode of The Rojas Report every week.

DUTCH’S MISSION

Affordable and accessible healthcare for everyone, everywhere—powered by physicians who own their future.


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