Captive Risk Solutions

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Captive Risk Solutions

Take Control of Your Risk Management Strategy

We recognize that traditional insurance solutions may not always align perfectly with every business's unique needs. Captive Risk Solutions offer a sophisticated alternative that allows businesses to take control of their insurance and risk management by forming their own captive insurance company. This approach is ideal for businesses looking to manage risks more effectively, stabilize insurance costs, and achieve long-term financial benefits.


Why Captive Risk Solutions?

Captive insurance companies are wholly owned subsidiaries created to provide insurance to the parent company and its affiliates. Captives enable businesses to finance risks internally, offering greater flexibility and control over coverage terms, claims management, and insurance costs. By forming a captive, businesses can retain the underwriting profits and investment income that would otherwise go to traditional insurers.



Types of Captive Insurance
Single-Parent Captive

Insures the risks of the parent company and its subsidiaries.

Group Captive

Owned by multiple non-related companies, allowing smaller companies to benefit from the captive model.

Micro Captive

A smaller scale captive that can be used by mid-sized businesses, subject to specific IRS rules and tax benefits.

Risk Retention Groups

Liability insurance companies owned by its members, typically used by businesses in the same industry.


Key Benefits of Captive Risk Solutions
Customized Coverage

Tailor insurance policies specifically to the needs of your business, filling gaps in conventional insurance coverage.

Cost Reduction

Potentially lower insurance costs by reducing reliance on commercial insurers and retaining underwriting profits.

Enhanced Risk Management

Improve risk control by having a vested interest in reducing losses, leading to better overall risk management.

Asset Accumulation

Accumulate assets through the captive that can be used for various purposes, including funding other investment opportunities.

Tax Benefits

In some jurisdictions, captives may provide tax benefits, including deductions for premiums paid to the captive.


Our Expertise and Support

Able Insurance specializes in helping businesses assess whether a captive insurance arrangement is right for them. We provide end-to-end support, from feasibility analysis and structure design to implementation and ongoing management of your captive insurance company.

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We Help To Get Solutions

A captive insurance company is an insurance company established by a parent group or groups, with the specific objective of insuring the risks of its owners. Captives are a form of self-insurance where the insurer is owned wholly by the insureds; primarily, they insure the risks of their parent company or related entities.

Captive insurance is typically used by corporations, groups, or associations to insure themselves against a variety of risks. It’s particularly attractive to companies looking for a customized risk management solution that traditional insurance may not provide economically.

Captives can insure a wide range of risks, including property damage, general and professional liability, employee benefits, workers’ compensation, and more. Some captives also cover more specific or unusual risks unique to the parent company’s operations.

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How Can We Help

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