When Traditional Insurance Doesn’t Fit: Captive Structures

Denise GillinAlternative Risk, Risk Management

By AP Captives for AssuredPartners

AssuredPartners Captives experts know that sometimes traditional insurance isn’t the best option, but what is the alternative?

Throw out the “cookie cutter” model and consider a captive as an alternative risk transfer technique to provide protection outside of the conventional insurance model. Captives can result in greater control and greater return on investment if, and only if, they are entered into for the right reasons, managed prudently and by professionals committed to long-term success.

Simply stated, captives are member-owned insurance companies that operate for the members’ benefit. To be eligible for this type of alternative risk option, companies must meet stringent financial and safety qualifications.

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