Take control of your risk with a captive insurance program.
A smarter, more strategic way for businesses to insure their risk.
Traditional insurance can leave growing organizations exposed to rising premiums, limited control, and unpredictable market swings. A captive insurance program gives businesses the ability to finance risk more efficiently—turning insurance from a cost center into a strategic advantage.
Our experts help you evaluate whether a captive is the right fit. With deep experience, proven results, and a client-first approach, we guide you through the complexities of alternative insurance solutions for both benefits and commercial lines.
Whether you’re looking to stabilize premiums, improve cash flow, or build long-term financial resilience, captives offer a sustainable way to protect your business while keeping your dollars working for you.
What a captive program can do for your business.
Captive insurance is a customized solution designed for organizations that want more control over their insurance program, better insight into their loss performance, and greater long-term stability.
A well-structured captive program can help you reduce volatility, strengthen risk management, and create an opportunity to retain underwriting profit.
Common Advantages
Greater control over insurance costs is supported by stabilized premiums, improved cash flow, and increased transparency into claims and loss trends year over year.
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- Greater Control Over Insurance Costs
- Stabilized Premiums Year Over Year
- Improved Cash Flow and Capital Efficiency
- Access to Broader or Difficult-to-Insure Coverages
- Ability to Retain Underwriting Profit
- Increased Transparency Into Claims and Loss Trends
- Enhanced Risk Management and Safety Performance
- Potential Tax Efficiencies (When Structured Appropriately)
- Customizable Program Design to Fit Your Risk Appetite
Popular Captive Structures
Captives come in many forms and can be tailored to meet an organization’s size, risk profile, and financial goals.
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- Single-Parent (Pure) Captive
- Group Captive (Commercial Programs or Industry Cohorts)
- Cell/Series Captive
- Rent-A-Captive Programs
- Risk Retention Groups (RRGs)
Common Coverages in Commercial Captive
Organizations often start by placing predictable, high-frequency risks in the captive, then expand over time as the program matures.
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- General Liability
- Workers’ Compensation
- Commercial Auto / Auto Liability
- Property Deductibles
- Professional Liability
- Product Liability
- Cyber Liability
- Environmental Liability
- EPLI (Employment Practices Liability)
What About Employee Benefits Captives?
Employee benefits captives offer employers—typically mid-market and large groups—an alternative way to fund medical plan risk.
These programs can help companies improve cost predictability, increase transparency, and collaborate with like-minded employers to drive better health plan performance.
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- More Predictable Health Plan Costs
- Access to Stop-Loss Purchasing Power
- Improved Claims Transparency
- Ability to Share Best Practices Within a Curated Group
- Greater Control Over Plan Design and Wellness Strategy
Is a Captive Right For You
Captives are ideal for organizations that:
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- Have Strong Financials And A Proactive Approach To Risk Management
- Spend $500k+ Annually On Commercial Insurance Premiums
- Experience Volatility Or Frequent Market Increases
- Desire More Control, Flexibility, And Long-Term Stability
Let’s Get Started
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