Stop Buying Insurance. Own it
Tired of your premiums funding other companies that can't manage their risk? We help the Best American Businesses paying over $150K in aggregate annual premium move past the volatile off-the-shelf insurance market and into group captive insurance.
What is a Captive?
Leverage the same insurance framework used by 90%+ of Fortune 500 companies and thousands of businesses like yours to convert insurance spend into owned equity, secured by A.M. Best A-Rated Carriers.
A captive insurance company is a licensed insurance company that is owned and controlled by the same organization(s) it insures. It is a way for businesses to legally self-insure their risk in a formal, regulated structure that has the ability to issue Certificates of Insurance (COIs) and qualify for tax deductibility.
The portion of risk self-insured by a captive is strategically chosen by licensed actuaries to retain small, predictable losses and to reduce the cost of additional coverage (reinsurance) used for catastrophic protection.
For example, consider your business pays $1MM in annual premiums but only incurs $200K in claims. In the traditional market, the commercial insurer keeps the entire $800K difference. In a captive structure, a large portion of the $800k has the potential to become YOUR retained underwriting profit.
The Captive Benefit
Retain and Invest Unused Premiums
Transform premiums from a sunk cost into an asset. You now have the potential to turn your unused premiums into annual dividends and reductions in pricing, without sacrificing regulatory compliance.
Stabilize Insurance Spend
Gain oversight into annual premium calculation, driven by your company's past performance and retained premiums. No more unexplained wild annual premium swings and time-consuming coverage re-marketing.
Approved by Lenders and Regulators
Policies & COIs (Certificates of Insurance) are issued on A.M. Best A-Rated paper for complete regulatory acceptance across all jurisdictions through our Fronting Insurance Carrier Partners.
Catastrophic Coverage
Group captives purchase reinsurance for large catastrophic loss events, providing financial stability and peace of mind.
Traditional Insurance vs. Captive
Understand how captive insurance provides superior financial control and risk management capabilities.
Captive Benefit
Captive Program (Your Offer)
Traditional Insurance
Retain and Invest Unused Premiums
Full Visibility Over Premiums Pricing
Charge and Pay the True, Efficient Cost of the Claim
Same Catastrophic Coverage Used by Traditional Carriers
Compliant & Lender Approved
Fronting Carriers
Your policy utilizes the admitted paper of highly-rated fronting carriers, ensuring it is fully compliant and globally accepted. From a policyholder's perspective, the coverage through your captive looks and functions exactly the same as a policy secured on the open market.
Captives are not a new concept: it's the gold standard of risk management. Over 90% of Fortune 500 companies and thousands of businesses use captives because they are sophisticated, long-term tools for retaining unused premiums and stabilizing insurance costs. Now, this elite financial strategy is accessible to you.
You are in
Elite Company
Why Hasn't My Broker Told Me About Captives?
The Best Kept Secret in Commercial Insurance
1. The Conflict of Interest: Misaligned Incentives
The fundamental reason many disciplined businesses haven't heard about captives is that the stakeholders involved do not benefit when you switch to a captive.
Brokers:
Traditional brokers are primarily compensated by a 10-20%+ annual commission based on the total premium dollars they place with carriers. Their incentive is to maximize your premium spend, not to help you retain it. Recommending a captive program—which immediately shifts a large portion of your premium into an asset—reduces their commission and the overall risk market they participate in.
Carriers:
Traditional insurance carriers profit by collecting more premiums than they spend on claims. Every dollar your company pays into a captive is a dollar your traditional carrier loses in underwriting profit and investment income. They have no interest in marketing a structure that competes with their business model.
2. The Execution Barrier: Historically High Complexity
Until recently, the complexity of establishing a quality captive program acted as an effective barrier to entry for the mid-market.
Administrative Burden:
A captive is, by definition, an insurance company. Setting one up requires specialized legal, tax, accounting, and regulatory expertise. Historically, the administrative and legal fees made the process cost-prohibitive for all but the largest corporations.
Solution:
Our firm and our group captive partners exist to solve this administrative challenge. We manage 100% of the complexity, including underwriting, claims administration, regulation, and investment management, making the strategic benefit accessible to high-performing mid-market firms like yours.
How we help
We work with the best Captive Consultants and Captives in the country to help identify the right captive solution for your needs.
The vast majority of Traditional Brokers are disincentivized to introduce you to a captive program because it often results in a significant reduction in their commission. As commissioned agents, their business model prioritizes large upfront premiums.
We are different. We are licensed insurance advisors who work directly with all the Group Captive Providers designed exclusively to transition our clients into this risk-management structure. Our business model is built on scale and longevity. We embrace the significantly lower commissions paid by a captive structure because they represent real long-term savings and retained capital for our clients. Clients placed in captives tend to stay for decades and lifetimes due to owned program equity and aligned incentives.
How Captive Insurance Works
A structured four-phase approach to establishing and managing your organization's captive insurance program.
Feasibility Analysis
Comprehensive evaluation of your organization's risk profile, loss history, and suitability for captive structure.
Captive Selection
We work with the best Group Captive Providers and Structures to identify the best captive for your situation and needs.
Risk Placement
Strategic placement of your retained risks with reinsurance protection and diversified coverage mechanisms.
Ongoing Management
Continuous monitoring, claims management, and annual actuarial reviews to optimize your captive performance.
Industry Expertise
We specialize in designing captive solutions tailored to the unique risk profiles of specific industries.
Manufacturing & Industrial
Transportation & Logistics
Healthcare & Medical
Real Estate & Property Management
Technology & Professional Services
Financial Services
Is Your Organization a Fit?
Our Group Captive program is reserved for a select, financially astute group of businesses. We prioritize quality over quantity. Only those committed to excellence in safety and financial management will be considered for this exclusive structure.
To qualify, your organization must meet the following criteria:
Minimum Financial & Risk Commitment
The Ideal Candidate Seeks:
We are currently seeking long-term partners across a broad range of industries, including Manufacturing, Distribution, Construction, Transportation, Retail, Food & Beverage Production, Hospitality, Agri-business, and Oil & Gas Well Operations/Services.
If your company meets these stringent standards and is ready to secure a lasting financial advantage, we invite you to connect with us.
Key Requirements
Ready to Transform Your Risk Strategy?
Our team conducts comprehensive feasibility studies to determine if a captive insurance structure aligns with your organization's financial objectives and risk profile. Schedule a consultation with our advisors to explore your options.
No obligation. Our analysis takes 2-3 weeks and includes detailed recommendations.