As an insurance broker, you're constantly seeking innovative ways to protect your clients and grow your business. You understand the evolving landscape of risk and the need to offer more than just traditional coverage. And you realize that, sometimes, even the most robust commercial policies have gaps, leaving clients exposed to unexpected challenges and self-insuring these existing gaps.

But, what if you could offer a solution that not only strengthens your clients' risk management but also creates a valuable new revenue stream for your agency, without competing with your existing book of business?

This is where 3F Captive Services comes in. Captive insurance has the ability to unlock new revenue opportunities for you while positioning you as your clients’ hero.

Filling Gaps, Building Wealth

Let's be clear upfront: 3F Captive insurance is a supplement to existing coverage, not a replacement. This is a crucial point. Your clients' current commercial insurance policies are the foundation of their risk protection.  

At 3F we work with clients to set up their own captive insurance company that they own 100%. This is not to be confused with a workers’ comp group captive where they share ownership with other parties and only cover workers’ comp claims. A captive insurance company with 3F acts as a powerful additional layer, designed to address specific, often uninsured or underinsured, risks that exist beyond traditional insurance and workers’ comp risks. 

Think of it as adding a custom-built safety net. While traditional insurance covers common perils, a captive can be tailored to cover unique risks specific to your client's industry or business operations – such as specific agricultural risks or unique liability exposures. This provides broader, more comprehensive protection, giving your clients greater peace of mind and financial stability. 

Beyond just filling coverage gaps, captive insurance can become a significant wealth-building tool for your clients. Premiums paid into the captive, after covering claims and operating expenses, are owned and controlled by your client and they accumulate and generate investment income, ultimately benefiting the client directly rather than an external insurance carrier. This strategic financial tool can enhance their bottom line and contribute substantially to their overall wealth accumulation. 

Why Captive Insurance is Your Secret Weapon

Offering captive insurance solutions through 3F allows you to:

1. Elevate Client Relationships Now: By bringing this intelligent, sophisticated risk management tool to the table, you instantly demonstrate a deep understanding of your clients' urgent needs and a crucial commitment to their long-term success. You're not just selling policies; you are actively helping them build wealth and fortify their business against immediate threats. You delivered the essential solution.
2. Unlock New Revenue: Partnering with 3F opens a new income stream. You earn additional compensation by helping your clients establish this valuable protection, all while retaining their traditional insurance business. We are not competing with you, we are collaborating.
3. Strengthen Your Position as a Trusted Advisor: Clients look to you for expert guidance. By introducing them to the benefits of captive insurance, you reinforce your value, showcasing your foresight and ability to provide deeply beneficial solutions in risk management. Don’t be just a salesperson to your client when you can be a trusted consultant and team member, instead.

Partner with the Experts at 3F Captive Services

Navigating the world of captive insurance might seem complex, but with 3F, you’re never alone. Our team includes seasoned experts in helping businesses establish and manage successful captive insurance programs. They understand the nuances and can guide you and your clients through the process seamlessly. 

3F is committed to being a trusted partner who makes you look good. We handle the complexities and workload, allowing you to focus on what you do best: serving your clients and growing your agency.

Remember, this is a supplement to existing coverage, not a replacement. It's about adding layers of protection and financial upside for your clients, and a new dimension to your service offerings.

Ready to Become a Risk Management Hero?

Discover how partnering with 3F Captive Services can enhance your client relationships, open new revenue avenues, and solidify your reputation as a leading insurance advisor. 3F is ready to share their expertise and show you just how simple it is to get started.

Contact Us to Learn More