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legal-captive

Advises on captive insurance formation, domicile selection, 831(b) elections, and ongoing compliance.

1|Updated May 17, 2026
Search Tags:#regulatory compliance#risk distribution#legal counsel#captive insurance#831(b)#domicile selection#irs scrutiny
One-click install
npx skills add https://github.com/Envision-Construction/Envision-Skill-Repo --skill legal-captive-envision-construction
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: legal-captive
Source: https://github.com/Envision-Construction/Envision-Skill-Repo/tree/main/plugins/legal/general-counsel/skills/legal-captive
Command: npx skills add https://github.com/Envision-Construction/Envision-Skill-Repo --skill legal-captive-envision-construction

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill includes references (resource) components.

What problem does it solve? Deciding whether to form a captive insurance company, where to domicile it, and whether an 831(b) micro-captive election is defensible requires specialized legal analysis that generic counsel cannot safely provide, especially under active IRS scrutiny. ## Core Features & Use Cases - Formation and Domicile Analysis: Compares state and offshore domiciles, licensing requirements, and regulatory approval paths for a new captive. - 831(b) Election Review: Assesses micro-captive election defensibility, risk-distribution and risk-shifting requirements, and premium pricing documentation against current IRS positions. - Compliance and Gateway Routing: Routes multi-domain questions through the legal_consult gateway tool or acts as an in-session specialist with mandatory live verification of every cited authority. - Use Case: A CFO asks whether the company's rising insurance costs justify forming a captive and whether the existing 831(b) election would survive an IRS audit; the skill produces a verified analysis with labeled assumptions and limitations. ## Quick Start Ask the assistant to evaluate whether we should form a captive insurance company and which domicile makes sense for our risk profile.

Frequently Asked Questions about legal-captive

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I decide whether to form a captive insurance company?▼

The skill analyzes your risk profile, premium volume, and coverage gaps to assess whether captive formation is justified. It compares formation costs, capital requirements, and regulatory burden against retaining commercial coverage, with every figure verified against current official sources.

How do I choose a domicile for a captive insurance company?▼

Domicile selection compares state and offshore jurisdictions on licensing requirements, minimum capital, premium tax rates, and regulatory posture. Because these figures are periodically adjusted, the skill pulls current official publications at each use rather than relying on memorized values.

Is an 831(b) micro-captive election defensible under IRS scrutiny?▼

The skill reviews risk-distribution and risk-shifting facts, premium pricing documentation, and election mechanics against current IRS positions. Deep 831(b) enforcement research is routed to the insurance-specialist forensic research orchestrator instead.

What happens if the legal_consult gateway tool is unavailable?▼

On a 503 or backend-unavailable response, the skill continues as an in-session specialist, verifying every authority against live primary sources such as Justia, govinfo, and official agency publications. Anything unverifiable is labeled as an unverified assumption.

When should I not use this captive insurance skill?▼

Do not use it for deep 831(b) enforcement research, cell and rent-a-captive structures, coverage lapse, or premium finance, which belong to the insurance-specialist skill. Generic entity tax questions route to legal-tax instead.

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