What’s Inside
A 22-page strategic guide for business owners, CFOs, HR leaders, and operations executives evaluating whether a commercial group captive fits their organization.
- How captives flip the traditional insurance model so surplus stays with you, not the carrier
- why multi-line captives (workers’ comp + GL + auto) outperform single-line approaches
- Pooled vs. non-pooled reserve structures, and how reinsurance protects the program
- A readiness checklist covering premium volume, loss history, and operational fit
- The four-stage path from eligibility assessment to long-term optimization
Who This Is For
Established businesses with 50+ employees, combined annual premiums of $125,000 or more, a loss ratio consistently at or below 50%, and leadership committed to proactive risk management. Most common fits: manufacturing, construction, distribution and logistics, healthcare, and multi-location service businesses.
Why Winter-Dent
100% employee-owned. Founded 1912. Captive insurance is a core capability, not a side offering. Our Prevent365 advisory framework treats captive evaluation as a strategic question, not a product pitch. We’ll tell you if a captive isn’t the right move.
Email Us
info@winter-dent.com
Call Us
(573) 634-2122