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Specialty & Captive Programs
Loss-Sensitive Programs
Programs where your premium is tied directly to your actual loss experience.
What it is
Loss-sensitive plans — large deductibles, retros, self-insured retentions — let financially strong businesses retain predictable losses and pay premium that reflects their real performance.
Who needs it
Larger employers with strong balance sheets, mature safety programs, and the data discipline to manage retained losses and collateral.
What's typically included
- Large deductible plans
- Retrospective rating
- Self-insured retentions
- Collateral structuring and analysis
Need Loss-Sensitive Programs coverage?
Talk with a CMH Risk Partners advisor — we'll shop your risk across 50+ carriers.