Turn Your Insurance Bill Into a Profit Center w/ Nicolas Lares
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Show Notes
Nicolas Lares explains how real estate investors can turn insurance costs into profits using captive insurance — a strategy Fortune 500 companies have used for decades.
In this episode of RealDealChat, Jack Hoss sits down with Nicolas Lares, founder of InsurTech, to break down captive insurance — what it is, how it works for real estate investors, and why most investors have never heard of it until now.
Nicolas built his career helping run one of Amazon's largest logistics insurance networks before founding InsurTech, where he now helps real estate investors co-own the very insurance company that covers their portfolio.
Topics covered include:
- What captive insurance is and how it differs from traditional insurance
- How investors collectively pool premiums and recapture unused profits at year-end
- Why REITs and institutional funds have used this model for decades
- How a single-property investor can get started (yes, even one townhouse)
- The 80-unit Georgia example where an owner ended the year with a net surplus of $1,500 instead of an insurance expense
- How renters insurance can be stacked into the captive to offset property-level costs
- What traditional brokers say against captives (and why their incentives are misaligned)
- How InsurTech insures over 1 million doors across the US
- How Nicholas is using Claude Code to automate proposal and compliance workflows
- Rapid fire: the lie investors tell themselves about assumptions and underwriting
If insurance feels like a sunk cost in your portfolio, this episode will change how you look at it.
🔗 Visit Nicolas at: https://isur3tech.com
🔗 Build systems for your investing business: https://realdealcrew.com
#RealEstateInvesting #CaptiveInsurance #LandlordInsurance #PropertyManagement #RealDealChat #PassiveIncome #MultifamilyInvesting #InsuranceCosts #InvestorMindset #RealEstateTips #AIForBusiness #PortfolioGrowth
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