Property and casualty insurance can be very important and expensive for business owners. A property and casualty plan review can assess the businesses needs to ensure that the business is getting the appropriate coverage at the most competitive cost. Reviewed items include property and casualty policies, (property, liability, auto), professional liability, workers compensation, and employee benefits. If the insurance costs are high enough, a Captive is often considered as a way to self-insure some of the businesses risks and reduce the third party expenses.