Captive Solutions
Reduce stop-loss volatility through a group captive — spreading risk to stabilize cost and unlock savings a standalone group can't reach.
The volatility problem
For mid-sized self-funded groups, a single catastrophic claim can spike stop-loss renewals. A group captive spreads that risk across a pool of vetted employers, smoothing the swings.
How a captive works
Member employers share a layer of risk together while keeping their own claims experience separate. Good years build surplus that comes back to members — savings that never exist in a fully insured world.
Is a captive right for you
Captives reward groups with strong risk management and stable workforces. We evaluate whether your group profile fits, and which captive structure makes sense — it's not for everyone, and we'll tell you straight.
Want this looked at for your group?
A free review shows you exactly where you stand — in plain English, no obligation.