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Our approach
Every year, you pay premiums to a commercial carrier, they pay claims, and whatever's left over is their profit. In a good year, you've essentially made a donation. A captive flips that model. Instead of renting coverage from a carrier, you create your own insurance entity and keep the underwriting profit when claims come in under projections.
Captives aren't for everyone, and we'll tell you that directly. But for businesses with predictable loss history, strong safety cultures, and sufficient premium volume, a captive can reduce total cost of risk by 10 to 30% while providing coverage the traditional market won't write. We guide you through feasibility analysis, structure selection, regulatory setup, and ongoing management.
coverage
Single-parent captive
Your own insurance company insuring your own risks. The purest form of captive ownership. Requires meaningful premium volume ($1M+) but offers maximum control and profit retention.
Group captive
Multiple unrelated businesses pool risk in a shared captive. Provides captive benefits to mid-sized businesses ($250K+ in premium) that can't support a standalone structure alone. Shared risk, shared reward.
Cell / protected cell captive
Each participant operates in a legally segregated cell within a larger structure. Your assets and liabilities stay separate from other participants. Lower entry cost than standalone with similar benefits.
Rent-a-captive
Rent capacity in an existing captive. No formation costs, minimal capital commitment. A way to test captive economics before committing to your own structure.
Custom coverage design
Captives can insure risks the traditional market won't touch: unique deductible structures, emerging liabilities, contractual coverage gaps. You design the policy because you own the insurer.
Profit retention
When claims come in under projections, the difference stays in your captive, not in a commercial carrier's pocket. Over time, good loss experience builds real equity in your captive entity.
We run the feasibility study
Premium volume, loss history, risk profile. We determine whether a captive makes financial sense for your business before you commit anything.
We design the program
Structure selection, actuarial analysis, regulatory domicile, reinsurance placement. We work with captive managers and actuaries who do this every day.
e manage it long-term
Compliance, annual reviews, reinsurance renewals, board support. We stay involved well beyond the initial setup.
Not sure if a captive is right for your business? Let's find out.
We'll run a feasibility study, show you the math, and tell you honestly whether it makes sense. If it does, the savings are significant. If it doesn't, we'll tell you that too.
What Business Owners Ask Us Most
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Let's see if a captive makes sense for your business.
No commitment. We run the numbers and give you a straight answer.
We'll be in touch within 24 hours. That's not aspirational. It's a guarantee.
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