Captive Insurance for Prefab Housing Installation
A data-driven insurance model serving 12 General Contractors across three distinct market segments: Student Housing, Multi-Generational Living, and Rural Development.
The Business Model
12 Risk Units
Independent General Contractors installing prefab housing units across Arizona, providing true risk distribution.
3 Market Segments
Student housing, multi-generational equity instruments, and rural development—uncorrelated risk profiles.
Monte Carlo Validated
10,000+ simulations demonstrate <1% probability of ruin over 10 years.
Key Performance Indicators
Risk Coverage
The captive provides comprehensive coverage for three primary risk categories:
Construction Defects
- Structural integrity issues
- Material defects
- Installation errors
- Code compliance failures
Utility Integration
- Water connection failures
- Electrical system issues
- Gas line problems
- Septic system failures
Schedule Delays
- GC availability constraints
- Supply chain disruptions
- Weather delays
- Permit processing
The Multi-Generational Innovation
Rent-to-Equity Financial Instrument
Our unique multi-generational housing model creates a financial instrument where:
- Parents invest in an accessible ADU (Accessory Dwelling Unit)
- Children pay rent that accumulates with interest
- Equity transfers to the child over time
- Residence swap occurs when parents need accessibility features
This structure mitigates vacancy risk and default risk, reducing long-term claim probability for the captive.
Ready to Review the Data?
Explore our comprehensive simulation results and regulatory compliance documentation.