At Captive Resources, we understand the myriad challenges that mid-sized companies face in the conventional insurance market:
- A frustrating lack of control over premiums (often inflated by overhead costs).
- Little visibility into or authority over the claims process.
- Not enough support or reward for controlling losses.
To address these and other challenges of conventional insurance, Captive Resources' founders set out to answer a simple question:
How can commercial insurance benefit businesses rather than traditional insurance carriers?
The answer they came up with was to create a better way for smaller to mid-sized companies to finance and manage risk… and we never stop working on improving that captive solution.
Why We Exist
We exist to help businesses lower their total cost of risk by taking control of their insurance programs, lowering their premium costs, and making their workplaces safer.
What We Do
We guide best-in-class companies through the process of joining, managing, and growing member-owned group captives.
How We Do It
As the premier consultant to member-owned group captive, we’ve been perfecting our innovative and unique model for nearly four decades. We offer a full suite of services to support this model —including management guidance, operational support, and strategic captive insurance expertise to a portfolio of over 40 group captives comprised of more than 5,500 members.
The Captive Resources Edge
Captive Resources' full array of consulting services provides a competitive edge to our captive clients and their member companies, an advantage you won’t find anywhere else. But it’s not just the services we provide that differentiate us. How we execute is what really gives our clients the edge. Here are just a few of the reasons why our captive clients and their members love working with Captive Resources.
If it’s been done in the group captive insurance industry over the last 35-plus years, chances are Captive Resources did it first. Our innovative member-owned group captive model gives the group captives we work with unparalleled control, customized pricing, and access to best-in-class risk control and safety resources.
Captive Resources unbundles and structures individual services to meet each captive’s unique needs and requirements. Unlike traditional insurance companies that offer limited and typically inflexible services, a Captive Resources-administered captive can more readily alter its support services without undue disruption or extra costs.
Premiums Based on Performance
The group captives we work with base each member’s premium on their actual loss experience and exposure levels rather than generic state rates and industry standards.
Strength in Numbers
By joining a group captive, companies enjoy new-found buying power and clout. The member-owned group captives we work with have strong relationships with numerous fronting and reinsurance carriers, as well as claims administration and loss prevention companies. These long-standing relationships often result in better service and lower costs for members.
Our group captive model is based on efficient and time-tested governance practices that provide all members an equal vote in the management and direction of the captive and streamlines members’ participation, so they can spend more time running their own businesses.
Increased Profit Potential
We helped our advised captives create an investment fund in 1994 to meet the speciﬁc investment and credit needs of the group captives that we serve, and have helped it grow to more than $6.6 billion in assets under management (as of May 2021).