Group Captives

CAPTIVE DEFINITION – Total control and total ownership

The idea of total control and total ownership resonates with savvy business owners. A group captive is defined as an insurance company that is owned by, and provides insurance exclusively to, its owners. In other words, it’s exactly the way buying insurance should be: from yourself.

IS A CAPTIVE RIGHT FOR YOU – The numbers don’t lie

The traditional insurance market is structured to create profit for insurance companies. In a captive, members can receive 30-40% of their casualty premiums back with investment income. If your company has historically paid more premium than it has experienced in claims, you deserve to explore captive membership. In a captive, you call the shots, decide who gets in, select your service providers and benefit from absolute transparency. Group captives aren’t for everyone, but the ones that qualify for it, love it. Tired of contributing to the profits of an insurance company you don’t own and subsidizing the losses or poorly run companies? The numbers don’t lie — see for yourself if a captive is right for your company.

WHO SHOULD CONSIDER A CAPTIVE – Businesses committed to control

A member-owned group captive is bar none the best alternative for companies or organizations that share the following qualities:

  • - Minimum annual casualty premiums of $100,000
  • - Long-term financial strength and stability
  • - Loss history that is above or better than average (<50%)
  • - Management team committed to safety

WHY CUNNINGTON – We know and understand the captive marketplace

We brought the first captive member to Idaho in 2005. Since then we have brought stability and control to countless businesses seeking an alternative throughout the United States. We are committed to the captive alternative and believe that a captive, when properly structured, is the most competitive option available to eligible businesses. In a group captive, it’s all about spread of risk and buying power. We represent the largest and most successful group homogeneous (same industry) and heterogeneous (diverse industries) captives in the world. Unlike most brokers, who only offer the captive defensively to retain your account, we proactively bring the captive option the first time, every time. If your losses disqualify you for a captive, then it’s time to start working with a broker that will proactively get you on track for eligibility.

Ready to take control of your insurance destiny? CONTACT US for more information on the following:

  • - Captive Eligibility Analysis
  • - Historical Loss Analysis
  • - Seminar Registration
  • - Webinar Registration
  • - Financial Workshop Registration
  • - Safety Workshop Registration
  • - Board Meeting Registration
  • - General Inquiries