Casualty Group Captives

Escalating commercial insurance prices. Increasing market volatility. Growing pressure on companies to reduce their total cost of risk (TCOR). All of these challenges are prompting mid-sized companies to seek alternatives to traditional casualty insurance. Our member-owned group captive model addresses these issues by providing companies the opportunity to become stakeholders in their own insurance company.


Captive Resources (CRI) supports dozens of different casualty group captives — both homogeneous and heterogeneous. These group captives provide three types of commercial casualty insurance:

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Workers' Compensation

General Liability Icon

General Liability

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Automobile Liability & Physical Damage

Group Captive Members are Safer than the Average Company-Featured Image

Group Captive Members are Safer than Average Companies

Our group captive model incentivizes members to make their workplaces safer. According to an independent study, members experienced 48 percent fewer fatalities and 22 percent fewer workers’ compensation claims than industry averages.

Member Company Industries

The member-companies that we work with come from a wide range of industries. While this list is not all-encompassing, the major industries represented in the casualty group captives we support include:

Typical Member Profile

With over 6,500 member-companies in the group captives we support, our model works for a variety of companies. However, we’ve found the most successful group captive members possess qualities like:

Group Captive Advantages

Our model offers members several advantages, including:

Greater Control Over Costs

Our group captive model affords members multiple ways to control their insurance costs. The group captives we support base each member-company’s premium on individual loss experience — something which members are fully able to control and reduce. The captives have lower operating costs than traditional insurers, thanks to efficiencies gained through the unbundling of services and group purchasing power. And, the captives only accept best-in-class companies, leading to above-average risk pools.

Increased Profit Potential

Members’ unused loss funds (underwriting profit) and accrued investment income is returned in the form of dividends, further reducing overall costs. And, since controlling risk contributes directly to a company’s bottom line, group captive members have an inherent incentive to make their workplaces safer.

Safer Workplaces

Backed by CRI’s dedicated team of risk professionals, the captives we work with strive to support this mission. Captives develop programs and metrics tailored to members’ needs and solicit feedback to ensure that risk management programs meet member needs and expectations. This commitment to safety not only saves companies money but also helps prevent workplace injuries and fatalities.

Read more about the advantages of member-owned group captives.