Long term savings of 25-50% are usually realized

• Initial premiums are generally less than those paid for conventional insurance coverages. They also remain completely tax deductible.

• All underwriting profit is returned to you for each policy year including the investment income earned on your premiums. In essence, the profit and investment income now recognized by the traditional insurance carrier becomes yours.

Premiums are based on your own experience

• Workers Compensation premiums are not subject to traditional rates or job classifications.

• General Liability premiums are not based on industry codes.

• Automobile premiums are not based on type of vehicle or garage location.

You gain control over your long term insurance costs. Coverages written through a Captive program are much less susceptible to the swings in pricing and availability so characteristic of the conventional insurance market. Future costs and availability become more level and predictable.

Your maximum annual premium is always known in advance.

You gain control of the claims handling process. In a Captive your input is solicited immediately after a significant claim. Claims are handled by your claims administrator quicker and with more sensitivity.

Loss control is provided to help reduce future claims.

The carriers that issue and reinsure the Captive’s coverages provide superior financial security. They guarantee the entire program.

You will never have to spend time shopping your insurance again.