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At The Captive Group, we define group captives as independently owned and operated Insurance companies that provide insurance to, and are controlled by, their owners. A captive insurance company analyzes and insures the specific risks of its owners, typically
Insurance companies that provide insurance to, and are controlled by, their owners. A
captive insurance company analyzes and insures the specific risks of its owners, typically
reducing operating costs, and returns underwriting profits and investment income to them in
the form of a dividend.
Captive groups whose members represent the same industry, such as agriculture, building
contractors, construction, energy, manufacturing or trucking companies.
Captive groups whose members are from diverse industries collectively pooled together.
The Captive Group administers and consults both homogeneous and heterogeneous
captives. However, all share the common objective of seeking better control of their
changing cyclical nature of traditional insurance providers. Other benefits enjoyed by
members of group captives include:
The price of insurance coverage purchased in the conventional market can often times include
mark-ups to pay for the insurer’s acquisition costs, marketing expenses, high commissions,
administration and overhead. Such pricing is specifically designed to deliver profit to the
insurer’s bottom line. In a group captive, the goal is to minimize those costs and enhance your
BETTER SERVICES AND MANAGEMENT.
A captive can purchase strategic insurance products that allow each captive member to manage
predictable losses while transferring potential catastrophic losses. For captives supported by
The Captive Group, this leads to improved loss control and greater awareness of the factors that
commonly give rise to losses so that they may be reduced and often prevented in the future.
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As a member of a group captive, you are rewarded for controlling losses and claims by receiving
dividends and investment income. Your loss experience directly determines your dividends and
future premiums allowing you to be more competitive in the marketplace.
LONG-TERM CONTROL OF YOUR INSURANCE DESTINY.
The Captive Group provides an opportunity for businesses to control their insurance and risk
management through ownership. Because members are owners, they can customize insurance
coverage to better meet their needs and reduce their long term cost of risk.
MORE TIME SPENT RUNNING YOUR BUSINESS.
Turning to an independent captive advisor such as The Captive Group, means you spend less
time addressing insurance issues and more time running your business. We will help you
implement, coordinate and facilitate the growth and continued success of your risk management
or organizations that share such qualities as:
•Long-term financial strength and stability
• Management teams committed to safety, with solid safety programs in place
• Loss histories that are better than average in their respective industries
• Minimum casualty premiums of $250,000. However, our group captive members typically have annual premiums of at least $500,000, but can reach or exceed $6,000,000
Every year, business owners and executives invest a substantial portion of their revenues to
insure the health and safety of their employees and companies. As one of the largest captive
advisors in the nation, The Captive Group have helped hundreds of businesses achieve their risk management
For more information on how captives work, The Captive Group services and success, or to speak with a business in your industry that is benefiting from captive membership, visit us at
~ For illustration purposes only, not a projection or guarantee of actual results
* Casualty Insurance
+ Dividends are determined by owners
# 6% simple interest
Jane M. Teijeira 716-819-5806 New England
Peter C. Gernold, CPCU 716-819-5815 East Coast
Kyle R. Calvert 913-626-0458 Midwest
Klein R. Calvert 913-207-0289 Midwest
John D. Schlichte, CIC, CRM, CWCA 801-898-8191 Mountain
Robert C. Pettit, CIC, CRM, CWCA 949-798-5544 West Coast
Todd F. Pilcher 503-758-5583 Pacific Northwest
The purpose of our material is to provide viewers with educational information concerning the captive insurance industry and to direct interested parties to properly licensed insurance professionals in their respective region. Nothing in this brochure shall be construed as a solicitation for the purchase of insurance as The Captive Group is not a licensed insurance entity.