Integral Mass Captive Insurance

A Unified Risk-Management & Financial Suite for Prefab Housing

🏠 Mission: Accelerate the manufacturing, installation, and renting of Prefabricated Homes and Accessory Dwelling Units (ADUs) to address the housing crisis.

⚠️ IMPORTANT: This project requires Python 3.10 specifically. See installation instructions below.

📋 Disclaimer: This is a feasibility study presenting actuarially informed concepts awaiting formal review. The platform insures fortuitous risk (unforeseen, accidental losses) only—not speculative risk (market gambles).

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🎯 What is Integral Mass Captive?

Integral Mass Captive is a Protected Cell Company (PCC) providing insurance coverage for the prefab housing ecosystem:

• General Contractors installing prefab units across three market segments
• Property Owners operating prefab villages (student housing, trailer parks, rural communities)
• Homebuyers financing ADU construction through integrated mortgage services
• Tenants renting in captive-covered properties

The Three Market Segments

Segment	Description	Key Risk Profile
🎓 Student Housing	ADUs near university campuses	High turnover, seasonal demand
👨‍👩‍👧‍👦 Multi-Generational	Rent-to-equity instruments with accessibility	Long-term, family transitions
🌾 Rural Development	Remote properties with infrastructure challenges	Utility integration, site access

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🛡️ Core Insurance Products

1. Home Gap Coverage

Like auto gap insurance—but for your ADU project. Covers the delta between expected and actual installation costs due to fortuitous events (site complications, supply chain disruptions, utility failures).

2. GC Innovation Insurance

Modeled after corporate R&D captives. General Contractors pay premiums to protect against the learning-curve risks of adopting new prefab installation techniques.

3. Mortgage-as-a-Service (MaaS)

Conceptual API integration for unified ADU financing. Apply for mortgages directly on the platform with bundled insurance coverage.

4. Tenant Portal (In-House Renter's Insurance)

Property owners operating prefab villages can offer renter's insurance directly to tenants through an integrated web portal and AI chatbot.

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🏛️ Protected Cell Company (PCC) Architecture

The captive uses a cell structure allowing independent groups to create segregated risk pools:

┌─────────────────────────────────────────────────────────┐
│                  INTEGRAL MASS CORE                      │
│    Regulatory Compliance • Reinsurance • Admin          │
└─────────────────────────────────────────────────────────┘
                           │
        ┌──────────────────┼──────────────────┐
        │                  │                  │
   ┌────▼────┐       ┌────▼────┐       ┌────▼────┐
   │ CELL A  │       │ CELL B  │       │ CELL C  │
   │ Student │       │  Rural  │       │ Property│
   │ Housing │       │  Dev    │       │ Owners  │
   │   GCs   │       │   GCs   │       │ Alliance│
   └─────────┘       └─────────┘       └─────────┘

Benefits:

• Asset protection (cell failures don't affect other cells)
• Cost efficiency (shared compliance infrastructure)
• Tailored coverage per market segment
• Scalable growth without restructuring

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🏗️ Repository Structure

captive.integralmass.com/
├── .github/workflows/   # CI/CD automation
├── docs/                # Public website (GitHub Pages)
│   ├── index.html       # Landing page
│   ├── home-gap-coverage.html
│   ├── mortgage-as-a-service.html
│   ├── tenant-portal.html
│   ├── markets.html
│   ├── simulation.html
│   ├── compliance.html
│   ├── organization.html  # PCC Structure
│   └── assets/          # CSS, images, graphs
├── src/                 # Python simulation engine
│   ├── main.py          # Main runner script
│   ├── actors.py        # GC, Unit, Tenant classes
│   ├── financial_instrument.py
│   ├── queue_sim.py
│   └── risk_model.py
├── data/                # Simulation outputs
└── requirements.txt     # Python dependencies

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🚀 Quick Start

Prerequisites

• Python 3.10 (required)
• pip

Installation

# Clone the repository
git clone https://github.com/yourusername/captive.integralmass.com.git
cd captive.integralmass.com

# Verify Python 3.10
python3.10 --version

# Install dependencies
python3.10 -m pip install -r requirements.txt

# Run simulations
cd src
python3.10 main.py

View Results

Open docs/index.html in your browser or visit the live site.

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📊 Simulation Results

Metric	Value	Significance
Probability of Ruin	<1%	Over 10-year horizon
Solvency Ratio	2.8x	Expected annual claims
Initial Capitalization	$1M	4x regulatory minimum
Risk Event Rate	15%	Validated via queuing simulation

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📋 Regulatory Compliance

Demonstrates compliance with Arizona Revised Statutes Title 20, Chapter 5, Article 2:

• ✅ Risk Distribution: 12+ independent risk units
• ✅ Minimum Capitalization: $1M (4x minimum)
• ✅ Feasibility Study: Comprehensive simulation analysis
• ✅ PCC Structure: A.R.S. § 20-1098 et seq.

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🔧 Technology Stack

Layer	Technologies
Simulation	Python, NumPy, Pandas, SimPy
Visualization	Matplotlib
Website	HTML5, CSS3, JavaScript
Hosting	GitHub Pages
CI/CD	GitHub Actions

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⚠️ Important Disclaimers

1. Not Actuarially Certified: This is a feasibility study presenting actuarially informed concepts. Formal actuarial review is pending.

2. Fortuitous Risk Only: The captive covers fortuitous risk (accidental, unforeseen events) only. Speculative risk (market fluctuations, investment losses, business gambles) is expressly excluded.

3. Demonstration Purposes: All forms, portals, and API examples are conceptual demonstrations. No actual insurance policies are issued through this platform.

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📄 License

See LICENSE file for details.

📞 Contact

Prepared for Arizona Captive Insurance Association review.

Website: captive.integralmass.com

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Part of the Integral Mass ecosystem