Captives & Alternative Risk
Form your own captive insurance subsidiary to manage coverage, costs and claims on your terms to gain control that standard carriers can’t match.
Why does your business need it?
- Manage risks that are expensive or hard to insure
- For tax advantages and stable risk management
- Provide greater control of coverage and claims
- Almost all Fortune 500 companies own captives
What does our coverage do?
- Cuts insurance costs and retains underwriting profits
- Funds losses instead of paying third-party premiums
- Provides expert assistance to avoid being underinsured
- Opens new revenue streams by insuring others
Keep unusual risks at bay.
Some losses are rare but costly. A captive helps you prepare for large or unusual risks so you can recover faster and stay in control of your coverage and claims.
Talk to an agent
Catastrophic injury claim
A single severe accident can trigger a lawsuit and medical costs that strain cash flow and threaten growth.
Pollution or spill event
A spill or release can lead to cleanup costs and third-party claims that are difficult to insure in the open market.
Data breach or ransom
Attackers can lock systems, steal records and halt operations, leading to recovery costs and lost revenue.
Health plan cost spikes
A surge in employee health claims can push benefit costs higher and strain budgets.
Fraud or financial crime
Insider theft, wire fraud or chargebacks can drain funds and disrupt cash flow.
Our captives & alternative risk options can cover
- Auto Liability
- Credit risk or financial crime
- Cyber Liability
- Employee Benefits
- Environmental Liability
- Physical damage
- Terrorism
- Workers’ Compensation
Numbers to know
Captives worldwide
6,290
licensed captive insurance companies operate worldwide as of 2024. (Captive.com, 2025)
Fortune 500 adoption
90%
of Fortune 500 companies are estimated to own captive subsidiaries. (Investopedia, 2025)
Premium volume
$201B
was paid to captive insurance companies in 2023, showing strong growth and market confidence. (Captive Review, 2024)
