Captive Insurance
Traditional insurance companies are subject to market changes, shifting underwriting appetites and stock analyst expectations. A Captive insurance company provides stability for companies that want to take financial control and proactively manage their insurable risks.
A Captive insures specific risks of its multiple Owners generally reducing operating expenses while returning underwriting profits and investment income in the form of Owner dividends.
An alternative to traditional business insurance, member owned Captives are insurance companies that provide insurance to, and are controlled by, its Owners. The Owners actively participate in decisions influencing the underwriting, operations, and investments of the Captive. Captive insurance company Owners also benefit from underwriting profits and investment income.