Group Captive Insurance: More Control Over Your Business Risk
What We Offer
Explore KT Captive Insurance Advisors' Group Captive Solutions
KT Captive Insurance Advisors works with two coverage solutions: casualty and health.
Casualty Group Captive
A casualty group captive gives your business a more proactive way to manage workers' compensation, general liability, and commercial auto risk, with a focus on safety, claims management, catastrophic losses, and long-term performance rather than a once-a-year renewal conversation.
Health Group Captive
A health group captive offers member companies an alternative way to manage employee healthcare risk, with more visibility into plan performance and a longer-term approach to cost management.
Property eligibility requirement:
Property is a separate group captive program with its own structure, governance, and terms. It isn’t a piece of the casualty program. Businesses already enrolled in (or concurrently accepted into) a casualty group captive may qualify to add property coverage as its own program. If you’re not already part of a casualty group captive, property coverage on its own generally isn’t an option through this structure.
Insurance Built Around Your Performance
If you run an established business with real insurance exposure, you already know the frustration: your safety record is strong, your claims are low, and your premium still climbs because of what's happening across the broader market. Group captive insurance gives qualifying businesses an alternative to traditional business insurance and a different way to approach risk. Instead of simply paying a premium to an insurance company and hoping for the best, member businesses take a more active role in managing risk, working to mitigate risk and control costs, and potentially benefiting when performance is strong. KT Captive Insurance Advisors helps established, safety-focused businesses get the group captive right for their goals, backed by group captive insurance advisors who've spent more than a decade as group captive member-owners themselves, not just brokers who sell the concept. Built on 10+ years of firsthand group captive experience.
What Is Group Captive Insurance?
Group captive insurance is a form of alternative risk financing in which multiple organizations share ownership of a group captive insurance company, forming member-owned group captives instead of relying solely on a traditional carrier. Members pool a portion of their risk and premium, and the group's collective claims handling and workplace safety performance directly influence long-term results. When claims are well managed, member businesses may see financial benefits such as underwriting profits, unused loss funds, and investment income that can support lower costs, though that outcome depends on performance and isn't guaranteed. It's a different relationship with risk than a standard policy, one where your own results, not the industry average, shape your company's insurance destiny.
Why Are Businesses Moving Beyond Traditional Insurance?
Because the traditional model, often shaped by whichever carrier is the current market leader, doesn’t always reward the businesses doing things right. Insurance costs can rise due to broader market losses that have nothing to do with your own claims history. Strong safety performance doesn’t always translate into meaningfully lower pricing.
And most business owners have limited visibility into how claims are handled once they’re filed. Annual renewals tend to encourage short-term thinking: you shop, you renegotiate, you repeat, without much long-term strategy behind it.
Group captive insurance companies give qualifying businesses a way to take a more active role in how risk is managed instead of just absorbing whatever the insurance market decides each year.
Why Consider a Group Captive?
Is Your Business a Good Candidate for a Group Captive?
Group captive insurance for businesses isn’t the right fit for every company, and that’s by design. Your business may be a strong candidate if you:
- Are an established company with meaningful commercial insurance exposure
- Have stable operations and predictable cash flow
- Take workplace and operational safety seriously
- Actively manage claims and losses rather than treating them as unavoidable
- Have leadership with a strong commitment to a long-term risk management approach
- Want more control over your insurance performance instead of just accepting the renewal
- Are comfortable playing the long game rather than chasing the lowest annual premium
Advisors With Firsthand Group Captive Experience
Plenty of group captive insurance consultants can explain how the model works. Far fewer have run a business inside one. KT Captive Insurance Advisors was co-founded by Braden Black and Kristi Black, who built their mid-market staffing company, KT Black, from inside a casualty group captive. Katie Silseth was a member of that same casualty group captive for a decade, and she and Braden both served on its executive committee.
That means the guidance you get here comes from people who’ve sat on the other side of the table, managing claims, tracking safety performance, and living with the results of group captive participation, not just presenting it as a concept.
Industries We Serve
KT works with like-minded companies across a range of industries, with deepest experience in construction, transportation, staffing, and oil and gas, industries where certain risks tend to be more frequent and more expensive, which means a business can often reach the premium threshold for a casualty group captive with fewer employees than a lower-risk industry would need.
Real Businesses. Real Group Captive Experience.
Heavy Civil Contractor, member since mid-2017
Long-Haul Trucking Company, member since 2014
Fifth-Generation Industrial Contractor, member since 2008
Industrial Supply Distribution Company, member since mid-2006
What Business Owners Should Know Before Joining a Group Captive
A group captive comes with real upside, but it isn’t a one-way bet, and we’d rather you hear that from us up front than find out later. Participation means taking on more risk than a guaranteed-cost policy, and some programs may require capital or collateral.
Financial distributions depend on how the group performs and are never guaranteed. This is a long-term strategy, not a quick fix for a bad renewal, and it isn’t the right move for every business.
Our job at KT isn’t to push group captive insurance for companies that aren’t ready for it. It’s to help you figure out honestly whether the model fits your risk profile and your goals, even when the answer is no.
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Group Captive Insurance FAQ
A group captive is an insurance company owned by qualifying businesses that form a group and pool a portion of their risk, rather than relying only on a traditional carrier.
Members contribute premiums and share risk within the organization, and strong group claims and safety performance may lead to the same benefits for all members over time, depending on results.
Established, safety-focused businesses that insure meaningful premiums and take a long-term approach to risk.
Traditional insurance transfers risk fully to a carrier, and even single-parent captives are wholly owned by one company. A group captive instead has members retain and share a portion of that risk, with more visibility into claims and performance.
Members take on more risk than a guaranteed-cost policy, and some programs may involve capital or collateral requirements.
No. Any financial benefit depends on the group’s claims and investment performance and is never guaranteed.
Your operations, workforce, vehicles, equipment, current insurance structure, and historical claims and losses.
No. Property is a separate program with its own terms, available only to businesses already in, or concurrently accepted into, a casualty group captive.
Is Your Business Ready for a Different Approach to Insurance?
If your business takes safety and long-term risk management seriously, KT Captive Insurance Advisors can review your current insurance program, claims history, and risk profile to help you determine whether a group captive strategy makes sense.