Group Captives
Join forces with other high-performing employers to pool risk, gain buying power, and share in the savings when claims run favorably.
In the traditional fully-insured market, your premiums are pooled with employers of every risk profile, and the carrier keeps the profit when claims run low. Even a healthy, well-managed workforce ends up subsidizing higher-risk groups. Standalone self-funding, meanwhile, can feel too volatile for a single mid-size employer to absorb on its own.
A group captive lets qualifying employers band together to share risk, spread out large claims, and collectively negotiate better pricing. When the captive's claims run favorably, members share in the underwriting profit rather than handing it to a carrier. We assess whether your group qualifies, match you with the right captive, and manage the ongoing strategy.
Pooling with other high-performing employers spreads out large claims and smooths year-over-year volatility.
When the captive performs well, members receive distributions instead of the carrier keeping the surplus.
Captives give employers durable control over plan design, vendors, and cost drivers year after year.
A group captive is an arrangement where multiple employers join together to self-insure as a collective, pooling their risk and sharing in the financial results when claims run favorably.
Captives generally suit financially stable employers with healthy claims histories, typically in the 50-500 employee range, who are comfortable with a longer-term funding strategy.
Qualifying employers can see savings of 15-35% over time, driven by favorable claims performance, profit sharing, and collective buying power.
Captives include stop-loss protection and spread risk across many members, which reduces volatility compared to solo self-funding. We help you assess whether the risk profile fits your business.
We evaluate whether your group qualifies, match you with the right captive structure, and manage the ongoing relationship, reporting, and cost strategy.