Nearly 15 Million Americans Are Self Employed. They employ an additional 29 Million workers

More and More of these self employed small and medium sized businesses are choosing to self insure. The lag in the commercial market for gap products and other business coverages that can evolve with modern needs of entrepreneurs is the space in which captive insurers can fill in.  The economy is not going to wait for those who are slow to embrace the future

Program Business Solution

Program business is perfect for the segregated cell insurance structure.  Models can be tested within the cell and the ease and flexibility of modifying underwriting methodology, risk management, and risk ceding allows for the tailoring of programs which can provide opportunities for managing general agencies, managing general underwriters, associations, industry groups, and any sector of the market where capacity has been restricted access to insurance which they can participate in every step of the design and administration.  

Lowering cost, enhancing service, and sharing underwriting profits with insureds are just some of the benefits of program business utilizing cell captive insurance.  Creativity and innovation is shaping the landscape of the modern insurance market and the the fragmented nature of the risk management industry allows entrepreneurs to monetize their ideas with greater speed and efficiency than ever before.


It takes creativity to manage the risk of the modern world. Having the flexibility to maximize the efficiency of your business using captive insurance participation.


Programs can be modified efficiently when analytical feedback is tailored to a certain group of program participants with a homogeneous purpose.


The cell captive programs have many options in coverage and can be structured to transfer risk which needs a flexible underwriting platform.


The consolidation of homogenous risk types in cell programs allows direct negotiating risk transfer in international insurance markets for savings to participants.