Arsenal provides unique insurance and business solutions not available through traditional insurance markets. With broad experience in P&C and L&H risks, we manage the full process for our clients from design and implementation to management and consulting.

5151 Hampstead High Street
Suite 200
Montgomery, AL 36116
(855) 250-5550


Arsenal provides unique insurance and business solutions in the alternative-risk sector not available through traditional insurance markets. We specialize in a broad range of industries from agriculture to transportation to healthcare and more. With extensive experience in Property and Casualty and Life and Health risks within regulatory and industry frameworks, the Arsenal team successfully manages the full process for our clients from design and implementation to management and consulting for your captive insurance company, Risk Retention Group (RRG), or other Alternative Risk Transfer (ART) vehicle.

Arsenal delivers broad customer solutions in risk management for captives, mutuals, RRGs, health plans and other insurance entities, incorporating alternative and traditional insurance capabilities through office locations in Alabama, Georgia, Florida, New York, Tennessee, Texas, Vermont, and a strategic partnership in the Cayman Islands.

Arsenal’s experienced team has superior knowledge and experience in various areas of the insurance industry, including:

  • Expertise in the Formation and Licensure of Captives
  • Managing Captives
  • Serving for various state regulators
  • Managing the AM Best rating process
  • Managing TPAs (Third Party Administrators)
  • Conducting conferences, seminars, and training sessions for various insurance professionals and regulators
  • Serving traditional insurance companies across the country
  • Managing underwriting and enrollment services
  • Converting captives and self-insurance funds to traditional insurance companies

Arsenal is regarded as trusted advisor to a number of businesses confronted with the myriad of challenges in this evolving economy. We work to understand the characteristics and the applicable metrics relevant to each client to create and implement tailored designs, knowing that “one size” does not fit all. Arsenal has developed clients in not only the Property Casualty industry but also the benefits sector, with an expertise in specialty health benefits.

Arsenal works from a business philosophy of examining each situation individually, whether an existing or prospective client. Arsenal is at the forefront of creating as well as expanding captive structures. As the market undergoes constant changes, Arsenal is well positioned to develop state-of-the-art solutions.

Arsenal has a diverse portfolio of nationwide clients within structures that range from “protected cells” to single parent to association captives and a growing number of risk retention groups and health plans. At Arsenal, we offer a fully bundled (“turnkey”) to an unbundled management capability based upon the client’s needs and resources.

Key service areas:

  • Captive Management
  • Program Management
  • Captive Design and Formation
  • Consulting
  • Underwriting
  • Claims Management
  • Enrollment Management
  • Fronting, Reinsurance, and Excess Placement
  • Regulatory Compliance

Regions of operation:

  • USA
  • Cayman Islands

Norman Chandler, CPA, CPCU, CSFS, CFE, Are, AIAF, ARC, ACP
CEO and Founder

Norman Chandler is the CEO of Arsenal, Alabama’s largest independent captive manager. Under Chandler’s leadership, Arsenal has expanded operations globally. He designs unique programs for insurance companies, captives, and self-insured groups. Chandler is dedicated to enhancing the captive industry and serves as the Executive Director of the Alabama Captive Association.

Justin Law
Managing Director of Strategic Initiatives

Justin Law is a captive manager for Arsenal specializing in Single-Parent and Segregated Cell structures. Law works diligently to advance the interests of the captive industry through his roles as Director of the Alabama Captive Association’s “Risky Business” Internship Program and Chairman of the Political Action Committee.

Mikala McCurry, MS
Communications Manager

Mikala McCurry directs the communication and marketing efforts for Arsenal and has a strong passion for communicating Arsenal’s continuous efforts to enhance the captive industry. She also oversees media relations and advertising for Arsenal.

Captive International