Risk Management and Captive Insurance
Cedar City, Ely, Hurricane, Mesquite, Saint George

Stop Paying More for Insurance Without Seeing the Benefit

For many businesses, commercial insurance has become increasingly frustrating. Even companies with strong safety records and minimal claims are seeing premiums rise year after year with fewer carrier options and less flexibility.

If your organization is committed to risk management, safety culture, and long-term operational stability, there may be a better way to structure your insurance program.

Dixie Leavitt helps businesses nationwide explore alternative risk and captive insurance solutions designed to provide greater control, stability, and alignment between performance and cost.

We Commonly Work With Companies That:

• Have 100+ employees

• Generate $25M+ in annual revenue

• Operate across multiple states

• Have strong safety and risk management programs

• Are frustrated with rising renewal costs

• Want more control over their insurance strategy

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Why Companies Explore Alternative Risk Programs

Traditional insurance models often reward insurance carrier profitability more than company performance. Businesses with strong claims history and proactive safety programs frequently feel like they are subsidizing poor-performing organizations through continual premium increases.

Many of the companies we work with are experiencing:

• Rising insurance premiums despite low claims activity

• Reduced carrier capacity and limited underwriting flexibility

• Increasing deductibles and restrictive renewal terms

• Little transparency into how premiums are calculated

• No meaningful reward for strong risk management performance

Alternative risk programs can provide a more strategic and performance-driven approach to managing insurance costs over time.

Alternative Risk Solutions We Help Evaluate

Every organization has different operational risks, financial goals, and risk tolerance. We help businesses evaluate multiple alternative risk structures to determine the right fit.

Group Captive Programs

Group captives allow like-minded businesses to share risk collectively while benefiting from stronger underwriting performance and long-term cost stability. These programs are often ideal for companies with strong claims history and mature safety cultures.

Single Parent Captives

A single parent captive allows an organization to create its own insurance company to insure its unique operational risks. This structure offers greater customization, control, and potential long-term financial advantages.

Rent-a-Captive Programs

Rent-a-captive solutions allow businesses to participate in captive benefits without the complexity and capital requirements of owning an insurance company outright.

Cell & Series Captives

Cell and series captives offer flexible participation structures that help organizations isolate risk while maintaining operational efficiency and financial separation.

Alternative Risk Financing Strategies

Beyond captives, we help businesses evaluate broader risk financing solutions designed to improve total cost of risk, create long-term stability, and align insurance strategy with operational performance.

Is a Captive Program Right for Your Business?

You may be a strong candidate for an alternative risk program if:

• Your insurance premiums continue increasing despite low claims
• Your company has a proactive safety culture
• Leadership prioritizes long-term risk management strategy
• You want greater control and transparency in your insurance program
• Your business is financially stable and growth-oriented
• You are looking for alternatives to traditional insurance models
• Your organization is committed to reducing claims over time
• You want your insurance costs to better reflect your actual performance

Captive participation is not the right fit for every business. Our role is to help you determine whether alternative risk structures align with your operational goals, financial objectives, and long-term growth plans.

Why Businesses Work With Dixie Leavitt

Dixie Leavitt combines national market access with hands-on risk management expertise to help businesses navigate complex insurance challenges.

Our approach goes beyond simply placing coverage. We work alongside clients to evaluate:

• Risk financing strategy

• Claims performance trends

• Safety and loss control initiatives

• Carrier market conditions

• Captive feasibility and structure options

• Long-term total cost of risk

We believe companies that actively invest in safety and operational excellence should have access to insurance strategies that recognize and reward those efforts.

Industries Commonly Exploring Captive Solutions

We frequently work with organizations in industries such as:

• Manufacturing

• Construction

• Transportation & Logistics

• Distribution

• Food Processing

• Agriculture

• Multi-location Operations

• Heavy Industrial & Trade Services

Explore Alternatives to Traditional Insurance

If your business is experiencing rising insurance costs despite strong operational performance, it may be time to evaluate alternative risk solutions.

Our team can help you assess:

• Your current insurance structure

• Loss trends and claims performance

• Captive eligibility

• Alternative risk financing opportunities

• Long-term insurance cost strategies

Schedule a Consultation
Request a Captive Feasibility Review

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Frequently Asked Questions

• Why is risk management important?

  Risk management is vital in helping you avoid risk and potential loss as much as possible. However, there are more benefits that you may not think of right away. When you take the time to reduce the size and number of your losses, you can positively impact the availability and affordability of insurance. In addition, by implementing risk management strategies, your business can protect against uncertainty, reduce costs, increase the likelihood of success, protect your public image, and protect people and employees from harm.