About Us

Zachary Fryer

Zachary Fryer has been representing captive insurance companies, their owners, and other users of alternative risk transfer mechanisms since 2001.  He provides advice and counsel for the formation of captives, conversion of existing captive insurers to segregated portfolio companies, loss portfolio transfers between captive insurers, review and modification of self-insurance trusts, mergers of self-insurance trusts, analyzing questions of insurance coverage, preparing insurance policies and reinsurance agreements, and providing ongoing general counsel to captive insurers after their formation. 

Mr. Fryer also works with captive insurers to establish, modify, and terminate reinsurance relationships with fronting insurers; draft, review, and modify shareholder agreements for captives and risk retention groups; and advises on the federal and state tax treatment of captive insurance and self-insurance arrangements.  He has also worked on a range of non-insurance healthcare and business law matters, including analysis of issues relating to Section 501(c)(3) tax-exempt status, joint ventures between for-profit and nonprofit organizations, and a variety of general corporate and contracting matters. 

Zachary Fryer holds a Juris Doctorate from the Northwestern University School of Law in Chicago.  He earned his Bachelor of Science from Michigan State University, with high honors and as a member of its Honors College.  Prior to starting the firm, Mr. Fryer was a partner in a boutique law firm and, previous to that, in a major Detroit-based law firm.  Mr. Fryer is a member of the State Bar of Michigan.


Mr. Fryer has written on a variety of topics related to insurance, alternative risk transfer and health care law. He was a contributing author of the practice guide Alternative Risk Financing Options for Healthcare Organizations, published by the American Health Lawyers Association in 2005, and has also published articles in the journal of the Insurance Law Section of the State Bar of Michigan.  He has spoken at conferences including the 9th Annual USA Risk Group Executive Educational Conference held in May, 2014, where he co-presented the captive insurance industry regulatory update; the panel discussion, “Navigating Healthcare Captives In Stormy Insurance Times” at the annual meeting of the Captive Insurance Companies Association in March, 2009; co-presented “Physician Owned Captives,” a web seminar sponsored by Strategic Risk Services (Cayman) Ltd.,, in November 2006; co-presented “Captives 101” at the conference of the Leading Edge Alliance in October 2006; and jointly presented on the topic "Evaluating Risk Financing Alternatives – RRG vs. Captive vs. Self-Insurance Trusts vs. Large Self-Insured Retention (SIR) Limits," at the IBC Captive Forum in September 2005.

Zachary Fryer can be reached at zach@uscaptivelaw.com or
+1 248.207.9801 

Justin R. Peruski

 Justin Peruski has been practicing corporate and insurance law since 2003 and he possesses extensive experience organizing and representing single-parent and multi-owner captive insurance companies and risk retention groups in leading captive insurance domiciles in the U.S. and internationally.  Mr. Peruski provides advice on corporate, governance and insurance aspects of alternative risk programs, and counsels businesses and owners/sponsors of alternative risk financing arrangements on regulatory and strategic matters.

Mr. Peruski has experience drafting and negotiating a wide range of transactional and commercial contracts in the insurance, healthcare, real estate, property management, manufacturing, information technology, food services, sports and entertainment, and automotive industries, and also reviews and interprets insurance policies and analyzes questions of coverage.  In addition, Mr. Peruski is familiar with areas of healthcare law relevant to the regulatory compliance of healthcare captive insurance companies and their owners, including state and federal reporting requirements and tax-exempt issues such as private inurement.  In addition, he represents non-U.S. entities in establishing and maintaining a business presence in the U.S.

Justin Peruski holds a Juris Doctorate from the Wayne State University Law School in Detroit.  At law school he was President of the Federalist Society, President of the Christian Legal Society, and a Senior Member of Moot Court.  He served as an appellate intern for the Wayne County Prosecutor’s Office, interned in Germany for the United States Army JAG Corps, and served as a judicial intern for the Michigan Supreme Court.  Mr. Peruski earned his Bachelor of Arts in Interdisciplinary Humanities (English, Philosophy and Psychology) from Michigan State University.  Prior to partnering with the firm, Mr. Peruski was an equity partner in a major Detroit-based law firm.  Mr. Peruski is a member of the State Bar of Michigan and is admitted to the U.S. District Court for the Eastern District of Michigan.

Justin Peruski has had extensive professional involvement including as a member of the Captive Insurance Companies Association (CICA) from 2009-present, and a speaker at its conference in 2014; a Young Leader of the Detroit Economic Club from 2013-present; a member of the Detroit Metropolitan Bar Association (DMBA); President of its Business Law Section from 2005-2008; member of the Cranbrook Kingswood Alumni Council 2004-2007; and a member of the Development Committee of the Business Law Section of the State Bar of Michigan from 2006-2015.   

Justin Peruski can be reached at justin@uscaptivelaw.com or
+1 313.204.9488