Potential Benefits

• Greater control of your insurance budget through premium stabilization. Reduction of insurance premiums through lower fixed-costs than a commercial insurance carrier.



• Loss control efforts directly result in premium savings since each Captive owner primarily funds for its own predictable losses while sharing fixed-costs.



• Greater coverage than available through the traditional insurance marketplace. Coverage can be tailored to the needs of Captive owners.



• Better control of each owner’s risk management destiny.



• Each Captive owner becomes a Director of the Company allowing for maximum input into insurance company operation. Owners have the ability to select service providers on an unbundled basis creating the opportunity for cost effective and efficient services.



• Greater control of claims adjudication. Owners have direct access to and notification from the person setting loss reserves, input into legal counsel, and the ability to designate claims that require special attention by the adjuster.



• Investment income from each owner’s distinct loss fund and potential profits accrue directly to that owner’s bottom line.



• Improved cash flow through reduction of fixed costs and the disbursement of dollars from each owner’s loss fund only after a loss is settled versus the time a loss is reserved.



• Security and protection through the utilization of an “A” rated policy-issuance company that is licensed in all states as well as the transfer of all catastrophic loss potentials to a “A++” rated reinsurance company.