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Specialty & Captive Programs
Captive Insurance
A licensed insurance company owned by the businesses it insures.
What it is
A captive is an insurance company you (or a group of like businesses) own. Instead of paying premiums to a third-party insurer, you fund your own structure — capturing underwriting profit and investment income on your own risk.
Who needs it
Mid-market and larger businesses with stable losses, predictable risk, and the cash flow to commit to a multi-year program. Also group captives for like industries.
What's typically included
- Single-parent, group, and cell captive structures
- Domicile selection and feasibility analysis
- Reinsurance and fronting arrangements
- Tax and accounting considerations
Need Captive Insurance coverage?
Talk with a CMH Risk Partners advisor — we'll shop your risk across 50+ carriers.