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Captive Insurance Provided By Our Agency

As your trusted Fort Wayne insurance partner, we help you leverage captive insurance to unlock powerful risk-management and financial benefits.

Captive Insurance

Captive insurance is your very own, company-owned insurance entity. Instead of paying premiums to a traditional carrier, you and any affiliated business owners form an insurer that:
  • Crafts policies precisely aligned with your risks
  • Retains underwriting profits and investment income
  • Empowers you with total transparency over claims and rates

Our captive programs can be tailored to finance and protect a broad spectrum of exposures, including:
  • Employee health and benefits
  • Workers’ compensation
  • Product and professional liability
  • Service contracts and extended warranties
  • Cyber liability and terrorism
  • Any other risks unique to your operation

Starting and maintaining a captive requires an upfront investment and ongoing administrative expense. While every business is different, budgeting around $20,000 for setup and annual operations is a realistic estimate often offset by the savings and profit returns you’ll enjoy.

  • Better Risk Management
    You tailor coverage to your exact exposures, rather than settling for off-the-shelf policies.
  • Multi-State Flexibility
    Easily extend protection across all your locations without getting trapped by state-by-state filings.
  • Lower Overall Costs
    Keep more of your premium dollars working for you instead of lining a big carrier’s pockets.
  • Comprehensive Protection
    Bundle diverse perils under one captive umbrella for seamless coverage.
  • Profit & Cash-Flow Enhancement
    Retain underwriting gains and investment returns, then reinvest them back into your business.
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