CapVisor Associates, LLC was founded in November 2008 as a New Jersey-based investment advisory firm dedicated to the insurance marketplace. CapVisor became an SEC Registered Investment Adviser, with Carl Terzer as Principal, in early 2009.  We earned our first insurance company client shortly thereafter. 

CapVisor’s mission is to provide superior investment advisory services and solutions uniquely crafted to address the needs of small to midsize commercial and alternative risk insurers.  Many experts recognize that insurers in these market segments are often overcharged and underserved by consultants and advisors under the traditional business models.  

            Most investment service providers are “generalists” or specialized in serving other institutional investors (pensions, 401 K’s, endowments and foundations, public funds, etc.) or focused on the high net worth market (wealth management).  Their expertise, analytic systems, portfolio construction process, investment objectives and fee structures are typical "one size fits all" and often found to be inadequate or inappropriate for insurance companies.  We recognize Insurance Asset Management as a discreet discipline requiring expertise and analytics specifically designed to address the challenges inherent in managing the assets of insurance companies. It requires a deep understanding of the insurance underwriting activities and the interrelationship between the liability structure and the investment plan. Therefore, CapVisor only works with insurance company clients optimizing their investment results by correlating their investment strategy with their company's business objectives, risk tolerance and other constraints.