Poolre Insurance Corp. v. Stewart A. Feldman

CourtCourt of Appeals of Texas
DecidedAugust 28, 2025
Docket01-23-00629-CV
StatusPublished

This text of Poolre Insurance Corp. v. Stewart A. Feldman (Poolre Insurance Corp. v. Stewart A. Feldman) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Poolre Insurance Corp. v. Stewart A. Feldman, (Tex. Ct. App. 2025).

Opinion

Opinion issued August 28, 2025

In The

Court of Appeals For The

First District of Texas ———————————— NO. 01-23-00629-CV ——————————— POOLRE INSURANCE CORP., Appellant V. STEWART A. FELDMAN, THE FELDMAN LAW FIRM LLP, CAPSTONE ASSOCIATED SERVICES LTD., CAPSTONE ASSOCIATED SERVICES (WYOMING), LIMITED PARTNERSHIP, AND CAPSTONE INSURANCE MANAGEMENT, LTD., Appellees

On Appeal from the 334th District Court Harris County, Texas Trial Court Case No. 2023-15570

OPINION

PoolRe Insurance Corp. appeals the trial court’s denial of its plea to the

jurisdiction and its order confirming an arbitration award as requested by Stewart A.

Feldman and The Feldman Law Firm LLP (collectively, Feldman) and Capstone Associated Services, Ltd., Capstone Associated Services (Wyoming), Limited

Partnership, and Capstone Insurance Management, Ltd. (collectively, Capstone).

In two issues, PoolRe contends that the trial court erred in denying its plea to

the jurisdiction and granting the appellees’ motion to confirm the arbitration award.

We affirm.

Background

A. The Parties’ Dispute

Feldman, Capstone, and PoolRe were claimants in the underlying arbitration

proceeding. The respondents were Scott Sullivan and Frank DellaCroce

(collectively, the Doctors), St. Charles Surgical Hospital, L.L.C., St. Charles

Holdings, L.L.C., Center for Restorative Breast Surgery, LLC, Sigma Delta Billing,

LLC, Sunrise Productions, LLC, Cerberus Insurance Corp., Orion Insurance Corp.,

and Janus Insurance Corp. A summary of the circumstances that gave rise to the

arbitrated dispute, gleaned from the 421-page final arbitration award, follows.

The Doctors created three captive insurance companies named Cerberus,

Orion, and Janus, which they had operated since 2011.1 Over time, the Doctors

1 Texas law defines a captive insurance company as “a company that holds a certificate of authority under this chapter to insure the operational risks of the company’s affiliates or risks of a controlled unaffiliated business.” TEX. INS. CODE § 964.001(2). Federal tax law allows businesses to deduct ordinary and necessary expenses, which typically include the cost of insurance premiums. Swift v. Comm’r of Internal Revenue, T.C.M. (RIA) 2024-013, 2024 WL 378671, at *15 (2024) (citing 26 U.S.C. § 162(c)). Payment of insurance premiums to certain small insurance companies, including captive insurance companies, may qualify for favorable

2 became concerned about the Internal Revenue Service’s increased scrutiny of

captive insurance companies. In about 2015, they learned that Feldman and

Capstone jointly offered “turnkey” administrative and management services for

captive insurance owners and had a program to structure and operate captive

insurance companies to qualify for partial tax-exempt status under federal law.2

In January 2015, the Doctors met with Feldman to discuss their captive

operations and structure. After the meeting, they retained Feldman and Capstone to

conduct a “health check-up” of the Doctors’ captive operations.

In the summer of 2015, Feldman and Capstone provided their report to the

Doctors. Feldman explained that risk distribution was essential for a “true insurance

arrangement” to exist and thus for a captive insurance company to qualify for

favorable tax treatment. Feldman stated further that, “[t]o achieve risk distribution,

the insurance company must distribute its risks among a pool of risks.” Feldman and

Capstone used PoolRe “for the purpose of satisfying the IRS’s risk distribution

treatment under an alternative taxing structure but only if they satisfy the necessary criteria. See id. 2 The United States Tax Court has described the relationship between Feldman and Capstone as follows: Capstone employed insurance and accounting professionals, and it was closely affiliated with the Feldman Law Firm, LLP (Feldman firm), which provided legal services to Capstone clients. Feldman was the Feldman firm’s managing partner and chief executive officer of Capstone’s corporate general partner. Rsrv Mech. Corp. v. Comm’r of Internal Revenue, 115 T.C.M. (CCH) 1475, 2018 WL 3046596 at *10 (2018), aff’d, 34 F.4th 881 (10th Cir. 2022). 3 requirement.” But Feldman and Capstone concealed that they “were under extreme

scrutiny from the IRS” when they were soliciting the Doctors’ business. Feldman

did not disclose to the Doctors any IRS findings regarding PoolRe’s inability to

satisfy the risk distribution requirement as to Capstone or that Feldman was using

PoolRe’s risk pool to provide him and his related entities with their primary

malpractice and legal expense insurance coverages.3

After considering the report, the Doctors hired Capstone to manage their

captive insurance companies. In a draft engagement letter, Feldman and Capstone

proposed that they structure and operate the Doctors’ captive insurance companies

to qualify for partial tax-exempt status. The engagement would be for a five-year

term.

After the Doctors agreed to the terms of the engagement letter, Feldman and

Capstone began the process of redomiciling Cerberus, Orion, and Janus from the

Bahamas to Delaware and took over their administration. Feldman and Capstone

“expected” and “encouraged” the Doctors to participate in PoolRe, and the Doctors

were led to believe that participation in PoolRe was necessary for them to obtain

tax-exempt status for the captive insurance companies. For 2016, 2017, and 2018,

3 PoolRe had no employees and no office, and it “receive[d] no business except that given to it by Feldman and Capstone.” Capstone managed PoolRe’s day-to-day operations and exercised “certain decision-making authority on behalf of PoolRe.”

4 the Doctors elected to have their captive insurance companies participate in

PoolRe’s reinsurance risk pools.4

In June 2018, the United States Tax Court decided Reserve Mechanical Corp.

v. Commissioner of Internal Revenue, involving the captive operations of another of

Feldman’s clients. 115 T.C.M. (CCH) 1475, 2018 WL 3046596, at *10 (2018), aff’d,

34 F.4th 881 (10th Cir. 2022). The Tax Court decided that “PoolRe was not a bona

fide insurance company” and thus, Reserve Mechanical, the client’s captive

operations, did not achieve risk distribution through its agreements with PoolRe. Id.

at *47. As a result, Reserve Mechanical’s “transactions during the tax years in issue

were not insurance transactions.” Id.

After learning of the Tax Court’s decision in Reserve Mechanical, Dr.

Sullivan conveyed to Feldman that he wanted to immediately liquidate and wind

down Cerberus, Orion, and Janus. Feldman responded by identifying an eight-step

process to liquidate them by August 2021. The relationship between Dr. Sullivan

and Feldman continued to deteriorate, and on January 5, 2020, Feldman formally

withdrew from representation. By April 2020, the Doctors had fired Capstone as

insurance manager. The Doctors anticipated that for tax years dating to 2015, the

4 Reinsurance is “the transfer of all or part of one insurer’s risk to another insurer, which accepts the risk in exchange for a percentage of the original premium.” Tex. Dep’t of Ins. v. Am. Nat’l Ins.

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Poolre Insurance Corp. v. Stewart A. Feldman, Counsel Stack Legal Research, https://law.counselstack.com/opinion/poolre-insurance-corp-v-stewart-a-feldman-texapp-2025.