Group captives have become the fastest growing area in the risk transfer industry. Much of this growth was fueled by hard market conditions in specialized lines of professional coverage that have occurred over the past 10 to 12 years. Many medical professional lines of coverage have had to turn to either group captives or risk retention groups just to have access to coverage. Much of the current captive growth still is driven by group programs. Today there is increased pressure on a captive insurance company's directors to fulfill their fiduciary obligations. As time goes on, this drive for better transparency will only increase. Retaining an independent consultant who can assist the board with this task may well be the most cost-effective method of accomplishing this work. It is, however, extremely important to identify any potential conflicts of interest between the "independent" consultant and other captive services.