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Do I Qualify?
Do I Qualify?
Your Advisor

Meet Your Captive Insurance Advisor

Not sure whether a captive makes sense for your business? Dan can help you understand your options and determine whether your business may be a good fit.

Where Dan can help

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Daniel Olson

Daniel Olson

Agency Co-Owner, Insurance Advisor
(253) 203-5775

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Benefits of joining a captive.

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Custom, data-driven pricing

Premiums are set using your own loss data and risk characteristics rather than broad market averages.

01.

Profits stay with you

Underwriting profits and investment income are retained by the captive instead of being paid to a commercial carrier.

02.

Tailored to your risk profile

Coverage terms, limits, and retentions are structured around your specific exposures and operations.

03.

Full transparency in claims & costs

You have clear visibility into claims activity, expenses, and how each dollar is allocated.

04.

Long-term cost stability and control

A captive helps reduce volatility from market cycles by giving you greater influence over pricing and program structure over time.

05.

Innovative alternative to traditional insurance

Captives provide a flexible risk financing approach when standard property and casualty insurance no longer aligns with your needs.

06.
How it works

Transform Your Business in 4 Simple Steps.

01

Feasibility Review

We assess fit based on risk, loss history, and goals.

02

Captive Structure Design

Group, single-parent, or cell captive tailored to you.

03

Implementation

Set up claims handling, loss control, and reinsurance.

04

Performance Optimization

Ongoing support, data insights, and profit return guidance.

A Good Fit

Who are the best candidates for captive insurance?

Captives aren't for everyone, and that's the point. The best candidates are already ahead of the curve:

Privately owned enterprise

Ownership has the autonomy to make strategic risk and capital decisions without the constraints of public market pressures.

Meaningful Premium Volume

The organization generates sufficient premium to support risk retention, loss predictability, and captive economics.

Risk-intelligent culture

Leadership understands how operational decisions affect loss outcomes and actively invests in risk control.

Capital-strong

The balance sheet can support capitalization requirements and withstand short-term volatility.

Data-driven expectations

Decisions are informed by loss data, benchmarking, and performance metrics rather than short-term pricing swings.

Long-term strategists

The business is willing to commit to a multi-year approach focused on stability, control, and sustainable results.

//FAQS

Common Questions About Captives

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Getting started is easy! Simply reach out to us to see if joining a captive is right for your business.

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A captive is an insurance option used for managing risk, typically owned by the insured(s). It can be structured as:
  • Single parent captive: owned by a single company
  • Group captive: formed by multiple companies, often enabling small employers to operate like large ones
A group captive functions like a pooled bank account: members contribute premium funds and the account pays for claims.
  • In good years, unused funds may be returned to members.
  • In challenging years, there's no return, but liability is limited by a maximum amount.
  • Risk is tiered: large risks are transferred to a stop-loss insurer, medium risks are shared among members, and small risks are retained by employers.
Captives can offer:
  • Short‑ and long‑term savings
  • More control over your insurance program
  • More stable and predictable premiums
  • Group leverage
  • Increased employee productivity
  • These benefits apply to both employee benefit group captives and property & casualty captives.
Companies that fit well:
  • Are privately held
  • Have 50+ eligible employees enrolled
  • Are already self‑funded or willing to implement it
  • Are financially secure
  • Have a strong safety culture and effective loss control
  • Maintain high accountability
Clients often experience:
  • Smaller and more predictable increases at renewal
  • Renewals that are less disruptive year to year
  • The chance to get money back from a portion of their stop-loss premium
Clients often experience:
  • Traditional insurance: You pay premiums, the carrier absorbs the risk, and any unused premiums don’t return to you.
  • Group captive: You effectively own a piece of the insurance alongside others. Unused premiums and investment income can be returned to members. Operational costs are often lower, and you gain underwriting control, transparency, and potential profit returns. However, you assume more risk as claims are paid from your own premium pool.
Captives can include most standard policy types, such as:
  • Commercial Auto
  • Cyber Security & Terrorism
  • Employee Healthcare
  • Extended Warranty & Service Contracts
  • General Liability
  • Product Liability
  • Professional Liability
  • Workers Compensation
They can also offer highly specialized coverage (e.g., credit risk or asbestos-related issues). If you can imagine it, they can create it.