Lone Tree Consultants

Specializing in

insurance risk analysis

Understand risk. Reduce Expenses. Save cash.

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Our Practice

The insurance market is complicated.

Executives want to understand their company's risk, reduce expenses, and save cash.

Lone Tree Consultants provides a "path" to assist a client understand its risks and to reduce its total cost of risk ("TCOR") by reducing a client's insurance and/or current tax expenses.

This path is called RITE (Reduce Insurance and Tax Expenses.)

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OUR VISION

Our Vision

Our vision is to assist a company's executives to better understand their company's property & casualty risks ("Risks"), reduce a company's insurance and current tax expenses, and save cash.

Why should one choose Lone Tree Consultants' RITE (Reduce Insurance and Tax Expenses) path?

Lone Tree Consultants provides a "path" to assist our clients to determine (i) the potential limits of insurance to be purchased, (ii) the most efficient retention(s), (iii) if the premium paid to commercial insurers is reasonable, and (iv) the premium paid to a captive insurance company.* We do this by modeling our "client's risk." Modeling a “client’s risk” allows our clients to use “objective criteria” when making insurance premium decisions.

Our clients want to work with experts. Lone Tree Consultants has experts in insurance risk and insurance tax.

Lone Tree Consultants is not an insurance broker; thus, we can provide an "independent," "unbiased" evaluation of a company's Risk.

Lone Tree Consultants' RITE "demystifies"

1) an actuarial analysis used to determine the premium paid to a commercial insurance company, and

2) what is needed to create a US federal income tax "insurance" transaction with a captive insurance company.

Lone Tree Consultants' RITE allows a client

1) to understand its Risks better, to pay less premium to a commercial insurance company(ies), reduces its insurance expense, and save cash; and

2) to pay premium to a captive insurance company, reduces its current taxes, and save cash.

* A captive insurance company is generally an insurance company owned by a noninsurance entity and the captive insurance company generally insures the noninsurance entity and/or its subsidiaries. This is a type of self-insurance. An "insurance" premium paid to a captive insurance company is generally deductible for US federal and state taxes, e.g., provides a way to pay less taxes.