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 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.
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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.