Captive Solutions

Captives allow employers to enjoy the benefits of self-insurance while grouping with others to lower risk and cost and at the same time creating greater safety.

Some highlights of captive solutions:

• Allows employers to choose their provider network, benefit structure and plan year

• Employers are liable up to their specific and aggregate stop loss

• Employers within the captive are linked through a common stop loss carrier

• Claims in excess of the employer’s liability are paid by the captive, with excess reinsurance protection to limit the captives exposure to shock and aggregate claims

• Aggregation of employers stabilizes loss history

• Surplus or profit in captive are distributed to captive participants