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, revi
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, 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 annual USA Risk Group Executive Educational Conference (captive insurance industry regulatory update); the annual Captive Insurance Companies Association (CICA) conference (healthcare captives during a hard market); a webinar for Strategic Risk Services (Cayman) Ltd. (physician-owned captives); the Leading Edge Alliance (Captives 101); and the IBC Captive Forum (evaluating risk financing alternatives).
Zachary Fryer can be reached at zach@uscaptivelaw.com or
+1 248.207.9801
Justin Peruski has been practicing corporate and insurance law at top-tier law firms since 2003, bringing over two decades of experience to his clients. He specializes in organizing and representing single-parent and multi-owner captive insurance companies, as well as risk retention groups, in leading U.S. and international captive insura
Justin Peruski has been practicing corporate and insurance law at top-tier law firms since 2003, bringing over two decades of experience to his clients. He specializes in organizing and representing single-parent and multi-owner captive insurance companies, as well as risk retention groups, in leading U.S. and international captive insurance domiciles.
Mr. Peruski provides comprehensive advice on corporate governance and the insurance aspects of alternative risk programs. He also counsels businesses, owners, and sponsors of alternative risk financing arrangements on regulatory compliance and strategic planning.
Mr. Peruski has a strong track record in drafting and negotiating a broad range of transactional and commercial contracts across industries, including insurance, healthcare, real estate, property management, manufacturing, information technology, food services, sports and entertainment, and automotive sectors. He is adept at reviewing and interpreting insurance policies, resolving complex coverage issues, and navigating healthcare law compliance for healthcare captive insurance companies, including state and federal reporting requirements and tax-exempt considerations such as private inurement. Additionally, he assists non-U.S. entities (domiciled in EMEA and APAC regions) in establishing and maintaining business operations in the U.S.
Justin holds a Juris Doctorate from Wayne State University Law School in Detroit, where he served as President of both the Federalist Society and the Christian Legal Society, and was a Senior Member of Moot Court. His internships during law school included positions with the Wayne County Prosecutor’s Office Appellate Division, the United States Army JAG Corps, and the Michigan Supreme Court. He earned his Bachelor of Arts in Interdisciplinary Humanities (English, Philosophy, and Psychology) from Michigan State University. He is a member of the State Bar of Michigan and is admitted to practice before the U.S. District Court for the Eastern District of Michigan.
Mr. Peruski is actively involved in professional and community organizations, including the Captive Insurance Companies Association (CICA), the Detroit Economic Club, the Detroit Metropolitan Bar Association (serving as President of its Business Law Section), the Cranbrook Kingswood Alumni Council, and the State Bar of Michigan Business Law Section.
Justin Peruski can be reached at justin@uscaptivelaw.com or +1 313.204.9488.
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