You’ve managed your risk well. It’s time to benefit from it.

Most businesses with strong loss histories share one frustration: they’ve spent years paying into the commercial insurance market and received nothing back for their discipline. Rates increase regardless of performance. Underwriting profit stays with the carrier. The business absorbs all the downside and none of the upside.

A group captive changes that structure entirely.

We offer access to a group captive program designed for businesses ready to take ownership of their insurance strategy — retaining a meaningful share of their own risk, building reserves, and participating in the underwriting profit they’ve earned through well-managed operations.

What This Program Covers

The P&C group captive insures three core commercial lines:

• Workers’ Compensation
• General Liability
• Auto Liability

This program is designed for businesses spending $250,000 or more annually across these three lines with a clean to moderate loss history. If your operations are disciplined and your losses are controlled, you may be a strong candidate.

Is This the Right Move for Your Business?

The honest answer is: it depends. A captive makes sense when your premium volume is sufficient, your losses are managed, and you’re committed to a long-term risk strategy — not a short-term rate fix.

Before we recommend this program to any client, we run a structured evaluation. We look at your premium spend, loss runs, operational risk profile, and financial position. If it makes sense, we’ll tell you why and walk you through every detail. If it doesn’t, we’ll tell you that too