Take Ownership of Your Risk with Captive Insurance
For most businesses, workers’ compensation, commercial auto, and general liability are some of the largest cost drivers in a risk management program, and they continue to climb regardless of performance. At Winter-Dent, we help you stop playing defense and start shaping the outcome. Through a commercial captive insurance program, you gain more control, more transparency, and the ability to turn insurance from a fixed cost into a proactive business strategy.
What Is a Commercial Captive?
A commercial captive program is an alternative risk solution that allows businesses to pool together and insure themselves more strategically across multiple lines of coverage: workers’ compensation, commercial auto, and general liability.
Instead of letting the market dictate your premiums across these critical coverages, you and other members share in the risks and rewards. Whether you’re a mid-sized company looking to stabilize costs or a larger employer exploring self-insurance options, a commercial captive program offers creative, forward-thinking solutions that address your most significant liability exposures under one strategic umbrella.
Control
More control over your premiums and claims handling
Cost Advantage
The potential for cost savings and profit sharing
Stability
Long-term stability in your risk management plan
Culture Impact
A direct link between your safety culture and your bottom line
Is a Captive Right for You?
Captives aren’t for everyone. But they can be a powerful solution for the right organizations. With Winter-Dent, you’ll have a partner to help evaluate if a commercial captive insurance program is the right fit and how to execute it effectively.
Take Control of Your Commerical Insurance Costs
Download the Winter-Dent Guide to Captives and discover how proactive companies reduce premiums, improve safety, and keep more of their own dollars at work. Learn how a captive can provide customized coverage and financial rewards for managing risk effectively
What’s driving your insurance costs?
What’s driving your insurance costs?
Where are your exposures hiding?
Where are your exposures hiding?
How can you become a business that underwriters want to insure?
How can you become a business that underwriters want to insure?
Claims Analysis & Forecasting
Claims analysis and forecasting to identify trends and project future costs
Early Return-to-Work Strategies
Early return-to-work strategies to minimize lost-time expenses
Loss Prevention Programs
Loss prevention programs tailored to your operations
Employee Training
Employee training to keep staff out of harm’s way from the start
Explore More Business Solutions
Extend Your Captive Strategy Beyond Commercial Insurance
Why stop at workers’ comp, auto, and general liability? Captives can also help you take control of one of your other largest expenses, healthcare. With a healthcare captive, you can stabilize costs, improve benefits, and capture savings just like you do with workers’ compensation. Explore how Winter-Dent can help you build a comprehensive captive strategy that protects both your people and your bottom line.
Captive workers comp insurance works by pooling similar businesses into a single risk-sharing group. Premiums are based on actual performance, not just market trends, and strong safety programs can lead to dividends or lower long-term costs.
Key benefits include greater cost control, reduced volatility, potential profit sharing, transparency in claims and expenses, and long-term financial stability. For many business owners, a captive transforms insurance from a fixed cost into a strategic asset.
No, captives are regulated and structured to manage risk responsibly. While members do share in losses, they also share in profits, and programs are designed with safeguards such as reinsurance to protect against large, unexpected claims.
One of the biggest advantages is more control over claims management. Businesses in a captive often have a direct say in how claims are handled, which can lead to faster resolutions, lower costs, and better outcomes for employees.
Industries with higher workers’ comp costs, such as manufacturing, construction, healthcare, logistics, and large retail, often see the most value in captive workers comp insurance.
Strong candidates typically have annual premiums of $100,000 for workers’ compensation or $250,00+ across their combined coverages (workers’ comp, auto, and general liability), a commitment to safety and risk management, and stable loss history. Companies that view insurance as a strategic investment rather than just a cost tend to see the greatest value in captive programs.
While some members see immediate premium stability, most captives are designed as a 3-5 year strategy. The real value builds over time through profit sharing, dividends, and long-term cost control. Companies with strong safety programs often see meaningful returns within the first few years.
Bundling workers’ comp, commercial auto, and general liability in a single captive creates economies of scale, streamlined administration, and more comprehensive risk management insights. You gain leverage across your entire commercial insurance portfolio rather than managing each line separately.