For Mid-Sized Contractors Who Are Tired of Overpaying for Insurance
Group captive insurance programs reward contractors who run safe, well-managed operations — with lower costs, greater transparency and control, and money back (dividends + investment income) when your claims are low.
See If You QualifyOverview Video
The Problem with Traditional Insurance
In a traditional insurance risk pool, you're often sharing loss costs with a broad mix of contractors — including those with weaker safety and risk-control practices — so your premium indirectly subsidizes the higher-loss experience of your competitors.
In a group captive, the structure is more aligned with individual and collective performance, allowing better-managed contractors to retain more of the benefit of their own risk control rather than cross-subsidizing poorer-performing risks. The more best-in-practice contractors exit the traditional insurance marketplace, the higher the costs rise for those who stay in the poor-performing risk pool.
See How It Works
The Process
We assess your company's loss history, safety record, and operations to see if you're a strong candidate for the program.
You're matched with a member-owned group captive of similarly vetted contractors. You pay into the group, not into a traditional insurer's profit margin.
Your premiums are tied to your actual risk profile. Invest in safety, manage claims well, and your costs reflect that directly.
When you and the group have a good year with low claims, unused premiums are returned to the members in the form of dividends. You also get to take advantage of the investment income. Your insurance program becomes an asset.
Who This Is For
Companies who are tired of paying high insurance costs, subsidizing their competition, and other contractors who don’t have the same risk controls in place.
The Advantage
You've invested in the right equipment, the right crews, and the right safety practices. A traditional insurer doesn't care. A captive program does.
We help mid-market contractors access the same risk management structures that Fortune 500 companies have used for decades — now available to owner-operators doing serious work.
Talk to an Expert
Get Started
No pressure, no obligation. We'll have a straight conversation about whether a captive program makes sense for your business.
