What is a Captive?
A captive insurance company is a subsidiary created by a parent company to provide insurance coverage for its own risks, allowing you to retain any potential underwriting profits and gain greater control over your insurance program.
Traditional Insurance
- •Premiums paid to external carriers
- •No return on good performance
- •Limited control over claims handling
- •Premiums increase regardless of loss history
Captive Insurance
- •Premiums held within your captive
- •Greater transparency over claims and reserves
- •Insured by rated carriers for catastrophic events
- •Premiums reflect your actual loss experience
Real Financial Impact.
See how a Protected Cell Captive transforms your insurance economics.
Example: $1.1M Annual Premium - Commercial real estate portfolio with 20% loss ratio
Customize Your Scenario
Your Traditional Insurance
Your Protected Cell Captive
Tenant Legal Liability (TLL)
Tenant Legal Liability programs enable property owners with a captive to generate an additional, high-margin revenue stream by insuring tenant liability risk in-house. With typical margins near 80%, TLL can be easily embedded into lease structures, expanding the captive's underwriting base while offering tenants a simple, optional alternative to third-party policies.
How It Works.
From analysis to active management, we handle the complexity so you can focus on the benefits.
Feasibility Analysis
We analyze your insurance spend, loss history, and risk profile to determine if a PCC is right for you.
Cell Formation
We establish your protected cell within our captive structure, ensuring complete asset segregation.
Policy Issuance
Your captive begins issuing policies, and you start retaining underwriting profits immediately.
Active Management
Our team handles all regulatory compliance, claims management, and financial reporting.