Captives
Someone mentioned a captive. Is it right for us?
A captive is a way to get paid for your own good results. It doesn't make those results. Companies that do well in one already have their claims under control before they join.
Start a conversationThe Employer Success ProgramBefore you look at a captive
- Do your own claims, over several years, support it? A captive prices you on them.
- Can the business carry collateral and wait years for money to come back?
- Do you know the most the agreements could ask you to pay in a bad year?
- Who reviews the captive's results for you once you're in?
If the honest answer is that the claims aren't there yet, the Employer Success Program is usually the first step, and the captive comes after.
The full list of captive questions · Turning Premiums Into Profits
Watch: how captives work
Where the Employer Success Program comes in
It starts with a Diagnostic and Plan. We read your loss runs, your mod worksheet and your key contracts, and we talk with the people who run the work. You get the pattern behind your claims and a short list of what's worth fixing first.
From there our claims, HR, safety and fleet people work alongside yours, and you get a Score Card at the start and every year after, measured against your own starting point.
Start with a conversation
Tell me what you're paying now and who suggested a captive. I read these myself and reply within two business days. If a captive isn't a fit, I'll say so.