Stop Renting Insurance. Own it.

Captive Insurance Partners is a national specialized brokerage providing group captive insurance solutions for mid-market businesses across the United States. We help businesses transition from traditional commercial insurance to group captive programs, offering secure, stable structures for risk management excellence.

Tired of your premiums funding other companies that can't manage their risk? We help the Best American Businesses paying over $150K in aggregate annual premium move past the volatile off-the-shelf insurance market and into group captive insurance.

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Decorative geometric shape

What is a Captive?

A captive insurance company is a licensed insurance company that is owned and controlled by the same organization(s) it insures. It is a way for businesses to legally self-insure their risk in a formal, regulated structure(NAIC) that has the ability to issue Certificates of Insurance (COIs) and qualify for tax deductibility.

Leverage the same insurance framework used by 90%+ of Fortune 500 companies(AFERM) and thousands of businesses like yours to convert insurance spend into owned equity, secured by A.M. Best A-Rated Carriers. Explore our key benefits to see how captives transform insurance costs.

The portion of risk self-insured by a captive is strategically chosen by licensed actuaries to retain small, predictable losses and to reduce the cost of additional coverage (reinsurance) used for catastrophic protection.

For example, consider your business pays $1MM in annual premiums but only incurs $200K in claims. In the traditional market, the commercial insurer keeps the entire $800K difference. In a captive structure, a large portion of the $800k has the potential to become YOUR retained underwriting profit.

What is a Captive - Construction workers on a roof representing industries that use captive insurance

The Captive Benefit

Captives help disciplined businesses turn insurance costs into a profit center by retaining underwriting profit instead of giving it away to carriers. See our comparison of captive vs. traditional insurance to understand the full benefits.

Retain and Invest Unused Premiums

Transform premiums from a sunk cost into an asset. You now have the potential to turn your unused premiums into annual dividends and reductions in pricing, without sacrificing regulatory compliance.

Stabilize Insurance Spend

Gain oversight into annual premium calculation, driven by your company's past performance and retained premiums. No more unexplained wild annual premium swings and time-consuming coverage re-marketing. (IRMI)

Approved by Lenders and Regulators

Policies & COIs (Certificates of Insurance) are issued on A.M. Best A-Rated paper for complete regulatory acceptance across all jurisdictions through our Fronting Insurance Carrier Partners.

Catastrophic Coverage

Group captives purchase reinsurance for large catastrophic loss events, providing financial stability and peace of mind.

Why are you buying commercial insurance in 2026?

See if a Captive Can Work For Your Business

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Commercial Insurance vs. Captive Insurance

Understand how captive insurance provides superior financial control and risk management capabilities(IRMI).

Retain and Invest Unused Premiums

Captive Program (Your Offer)
Asset Potential: Low losses can result in retained underwriting profit and investment income.
Traditional Insurance
Sunk Cost: Premiums are lost entirely to the carrier, even with low claims.

Full Visibility Over Premiums Pricing

Captive Program (Your Offer)
Complete Oversight: Premiums are allocated transparently between claims, reserves, and fees. Nothing is hidden.
Traditional Insurance
Hidden: You don't see how much of your premium funds claims, reserves, carrier profit, or expenses.

Charge and Pay the True, Efficient Cost of the Claim

Captive Program (Your Offer)
Incentivized Resolution: Everyone benefits from quicker claim closure and minimizing legal costs. Get reimbursed ASAP.
Traditional Insurance
Disincentivized Resolution: The insurer's profit is maximized by delaying or contesting payments, keeping the money invested longer.

Same Catastrophic Coverage Used by Traditional Carriers

Captive Program (Your Offer)
Catastrophic risks are covered at wholesale prices by the same Global Reinsurance Market traditional carriers use.
Traditional Insurance
Standardized, bundled reinsurance protection determined by the carrier.

Compliant & Lender Approved

Captive Program (Your Offer)
Policy fronted by A-Rated fronting carriers (Admitted and Compliant).
Traditional Insurance
Policy issued by the commercial carrier.

Fronting Carriers

Your policy utilizes the admitted paper of highly-rated fronting carriers, ensuring it is fully compliant and globally accepted. From a policyholder's perspective, the coverage through your captive looks and functions exactly the same as a policy secured on the open market.

AIG
Arch Capital Group
Chubb
Great American Insurance Group
Liberty Mutual
Nationwide Insurance
Old Republic
The Hartford
Travelers
Zurich Insurance Group

You are in
Elite Company

Captives are not a new concept: it's the gold standard of risk management since the 1970s(AFERM). Over 90% of Fortune 500 companies(AFERM) and thousands of businesses use captives because they are sophisticated, long-term tools for retaining unused premiums and stabilizing insurance costs. Now, this elite financial strategy is accessible to you.

How we help

We partner with leading captive consultants and group captive programs across the country to evaluate whether a captive is the right fit, structure it correctly, and stay with you as the program matures.

Clear diagnosis

We analyze your current program, loss history, and financial objectives to determine whether a captive genuinely improves your position versus traditional insurance.

Market navigation

We curate and compare options from multiple group captive sponsors, helping you understand structures, costs, and commitments in plain language.

Ongoing stewardship

After implementation, we remain involved to monitor performance, support board decisions, and adjust coverage as your business and risk profile evolve.

10,000+
Companies under our partner captives
97%
Captive client retention
20% - 35%
Avg. reduction in market premiums

Next Steps

A clear four-step process to evaluate, structure, and manage a captive insurance program for your business.

01

Feasibility Analysis

Comprehensive evaluation of your organization's risk profile, loss history, and suitability for captive structure.

02

Captive Selection

We work with the best Group Captive Providers and Structures to identify the best captive for your situation and needs.

03

Risk Placement

Strategic placement of your retained risks with reinsurance protection and diversified coverage mechanisms.

04

Ongoing Management

Continuous monitoring, claims management, and annual actuarial reviews to optimize your captive performance.

Learn more about how captive insurance can change your business.

Schedule a Free Consultation

Industry Expertise

We work with group captives built for specific industries, bringing the best businesses together to share best practices, strengthen safety cultures, and lower long-term insurance costs. Learn more about how we help businesses evaluate and implement captive solutions.

Manufacturing

Distribution & Warehousing

Construction & Specialty Contractors

Transportation & Logistics

Retail & Wholesale

Food & Beverage

Agribusiness

Energy & Energy Services

Healthcare & Medical Malpractice

Real Estate & Property Management

Professional Services

Don't see your industry?

We can still help you evaluate whether a captive is the right fit for your business.

Contact Us

Is Your Organization a Fit?

Understand the financial and operational profile we look for before recommending a captive structure.

Our Group Captive program is reserved for a select, financially astute group of businesses. We prioritize quality over quantity. Only those committed to excellence in safety and financial management will be considered for this exclusive structure.

To qualify, your organization must meet the following criteria:

Minimum Financial & Risk Commitment

  • Premium Threshold: Your organization must have a minimum combined annual premium of $100,000 in Workers' Compensation, General Liability, and Auto Liability. (While this is the entry minimum, our typical members invest $250,000 or more.)
  • Loss Performance: Your company must maintain a sustained Loss Ratio below 50%, demonstrating better-than-average loss histories for your respective industry.
  • Safety Excellence: Management teams must be unequivocally committed to safety and have robust, proven safety and risk management programs already in place.

The Ideal Candidate Seeks:

  • Greater Control: A desire to gain direct control over claims handling and ultimately, their insurance destiny.
  • Predictability: The need to eliminate the volatility of traditional insurance, where fluctuating premiums make annual budgeting difficult.
  • Fair Pricing: Frustration with rates increasing even when their company's losses have remained flat or improved.

We are currently seeking long-term partners across a broad range of industries, including Manufacturing, Distribution, Construction, Transportation, Retail, Food & Beverage Production, Hospitality, Agri-business, and Oil & Gas Well Operations/Services.

If your company meets these stringent standards and is ready to secure a lasting financial advantage, we invite you to connect with us.

Key Requirements

$100K
Minimum Annual Premium
Entry threshold
$250K+
Typical Investment
Average member commitment
<50%
Loss Ratio
Required performance
Eligibility visual

Ready to Transform Your Risk Strategy?

Our team conducts comprehensive feasibility studies to determine if a captive insurance structure aligns with your organization's financial objectives and risk profile. Schedule a consultation with our advisors to explore your options.

Schedule a Call

No obligation. Our analysis takes 1 week and includes detailed recommendations tailored to your risk profile.