Captive Insurance Solutions for Your Unique Business Needs
Captive insurance is a powerful tool that allows you to customize how you manage your company’s risks and unlock a better way to do business.
When you work with us, you own your insurance company outright. Your captive insurance company allows for tailor-made coverage, retained premiums (you keep your insurance company’s profits), and greater financial control. You’re always in the driver’s seat, owning 100% of the company.
Key Advantages
Ownership & Control
You own the captive 100%. This is not a workers’ comp group captive, and this does not work like traditional commercial insurance – you keep the premiums after claims and losses.
Financial Empowerment
Captive insurance allows you to manage your financial future. You set the terms and choose your own customized policies. As premiums accumulate within the captive, dividends can be paid to you or your beneficiaries as you see fit. This is a level of customization that traditional insurers can’t match.
Supplemental Coverage
Captive insurance works alongside your existing policies to fill gaps and cover risks that traditional insurance does not cover effectively. It’s not a replacement for your traditional insurance. It’s far more powerful than that.
Captive Insurance, Explained in Plain English
Carriers now pay out about 62 cents in claims for every premium dollar, down from about 80 cents in the late '80s and '90s (Vanderbilt study). 3F Co-Founder Patrick Johnston explains where the rest goes, and how a captive lets a well-run company keep more of it.
Source: Vanderbilt Policy Accelerator, via Insurance JournalDiscover Tailored Insurance Solutions
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