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KeyState’s D.C. PCC platform helps middle-market firms control risk, reduce costs, and access alternative risk financing strategies efficiently.
KeyState’s latest Washington D.C. Protected Cell Company platform is poised to revolutionize the way middle-market businesses manage risk. The Protected Cell Company platform is licensed by the Washington D.C. Department of Insurance, Securities and Banking (DC DISB) and enables clients to become part of a segregated cell company, which operates as separate legal entities to reduce costs and capital requirements associated with forming a standalone captive insurer.
“With access to fully licensed captive insurance structures, organizations gain greater control over their risk management, claims, and potentially, underwriting profits,” said David Guerino, Executive VP of Captive Solutions at KeyState. “The launch of this Protected Cell Company is part of our ongoing commitment to deliver captive solutions to our clients.” The Protected Cell Company platform is particularly suited for organizations seeking strategic enterprise risk transfer solutions and alternative risk financing solutions without requiring large internal teams or capital.
It was chosen due to the experience with the local regulators and the flexibility that the jurisdiction offers with respect to the individual cell structure. KeyState anticipates that there will be significant interest in the platform, especially from the business community, particularly during the CICA 2026 International Conference. The industries that the platform will service include the financial services industry, the healthcare industry, the professional services industry, the manufacturing industry, and the real estate industry, which tend to have significant insurance spends and relatively stable patterns of losses.
KeyState’s captive solutions group has managed over 100 captive insurance companies and offers tailored alternative captive risk management platforms. The banking and insurance industry is still experiencing trends such as data-driven underwriting, embedded insurtech, and flexible risk management solutions.
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