We empower trade associations to launch exclusive, member-owned insurance programs. Escape the hard market, get better coverage, and earn cash dividends for running a safe business.
Traditional carriers keep every dollar of unused premium after claims are paid. Your good safety record pays for their record profits.
Carriers invest your members' premiums while waiting to pay out claims, and they keep 100% of the interest and gains generated.
Assessments of risk are hidden in black boxes. Associations rarely see the true data behind their members' loss ratios or real risk costs.
Even if your members have zero claims, premiums spike due to "global market conditions" to subsidize the carrier's broader losses.
Group Captive Insurance allows you to form an exclusive insurance pool with peers who share your commitment to safety. By cutting out the middleman, you take control of your risk and your money.
Members of your association pool their premiums together into an exclusive, member-owned fund.
The fund pays out predictable claims. Specialized reinsurance is purchased to handle unexpected catastrophes.
At the end of the year, whatever money hasn't been used for claims is returned to members as cash dividends.
Transform your association from a networking group into a critical financial partner for your members' businesses.
Stop letting your good safety record subsidize bad businesses in the traditional market. Keep your profits.
While every program is unique, the group captive structure consistently outperforms the traditional market across industries.
Manufacturers bypass the cyclical volatility of the commercial market by building specialized reserves to fund risks that traditional carriers overprice, taking true control of their risk.
Reduction in Total Cost of Risk
20-30% (TCOR)
High-performing contractors use captives to stop paying for the poor safety records of their peers, optimizing their combined loss ratios to the 70%-85% benchmark.
Average Annual Dividend Yield
25-55% of premium
98%
Member Retention Rate
Once members experience the benefits of ownership, they rarely leave.
Data reflects verified 2024-2025 aggregate performance metrics from leading captive industry reports (Marsh, WTW, Captive Resources).
The first insurance programs fully modeled, reviewed, and ready for deployment on the Captive8 platform, each targeting a combined ratio of 80% or lower.
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Managing Agent
Mobilized Entertainment
Target Market
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Glass replacement and repair insurance for residential and commercial premises, covering accidental breakage and vandalism with 10+ years of highly predictable loss history.
Managing Agent
JT Insurance Services
Target Market
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We run comparative models using actual association data to show you exactly how much profit your members are losing to traditional insurance carriers. Zero commitment required.
Fill out the form and our team will get back to you within 24 hours to schedule a brief discovery call.
Zero Cost Evaluation
Custom Dividend Projections
No Hard Sales Pitches
Direct Contact:
info@captive8.ai