Company details

The Captive Insurance Division evaluates licenses, regulates and examines the captive insurers and risk retention groups in the alternative risk market for the State of Connecticut. 

A captive insurance company is wholly owned and controlled by a parent company or association, and operates to insure the parent’s own risks. In Connecticut, a captive is defined as any pure captive insurance company, association captive insurance company, industrial insured captive insurance company, risk retention group, sponsored captive insurance company, or special purpose financial captive insurance company that is domiciled in the state and formed or licensed under the provisions of the Connecticut Insurance Statues and Regulations.

Since the passage of Connecticut’s captive law in 2008, Connecticut has quickly distinguished itself as a world class captive domicile and as a center for innovation in captive formation and thinking. The captive insurance environment in Connecticut is indeed growing, vibrant and responsive. 


  • Janet Grace
    • Chief Regulator, Captive Insurance and Risk Retention Groups
    • Connecticut Insurance Department - Captive Insurance Unit

    Janet Grace is the Chief Regulator, Captive Insurance and Risk Retention Groups for the State of Connecticut. 

    A former consultant for Towers Watson, Grace has done extensive work in risk identification and coverage analysis, business process redesign, risk financing, strategic business planning, underwriting and reinsurance. She also spent 20 years with The Hartford where she was a senior account executive and underwrote business in a number of core units, including risk management.

    Janet’s knowledge of the industry and her creative and consultative approach are the perfect combination for companies seeking to domicile their captives in the state.

  • Fenhua Liu
    • Chief Captive Regulator, Captive Insurance Companies
    • Connecticut Insurance Department - Captive Insurance Unit

    Fenhua is the chief captive regulator of all captive insurance companies domiciled in Connecticut. She has twenty-eight years of broad global experience, expertise, and leadership skills in insurance and risk management. She leads a division responsible for reviewing, licensing, registering and examining captive insurers, risk retention groups and risk purchasing groups. She also facilitates discussions with other stakeholders both internally and externally on captive related matter.

    Fenhua previously worked on healthcare rate-setting and large service contract evaluations at the Connecticut Social Services Department. Prior to that, Fenhua was a Director of Finance with The Travelers Insurance Companies, and held three positions i... Read more

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