Captives

Custom policies to cover only the insurance you need

Creating a profit center by retaining insurance to premium dollars and profits

Retaining profits that are paid through the captive for reinvestment or disbursement

Improve cash flow management and smooth out operating volatility

Tax benefits in the form of deductions from ordinary and necessary business expenses

Assume increased risk

Additional up-front expenses and capital investment

Creating new management responsibilities

Sacrifice services offered by standard insurance carriers (risk control and claims handling)

Difficult to “unwind” or exit. Collateral and funds remain “frozen” and inaccessible for several years

Single-Parent

Group

Rent-a-Captive

Protected Cell Captives (PCCs)

Agency Captive

Heterogeneous

Homogeneous

Bundled or Unbundled Claims Service