Why Join a Group Captive?

Transparency

  • The renewal process starts 4–6 months in advance, with renewal premiums provided 60–90 days before the renewal date.


  • Unlike traditional insurance, where renewal premiums are often presented just weeks before expiration—forcing last-minute decisions at inflated rates—a group captive provides ample time to adjust, shop around, or leave if needed.

Proven Success

  • Over 40 years of successful member-owned group captive history.



  • More than $4 billion in premium flows through approximately 45 group captives annually, representing over 6,400 members.

98% Retention Rate

These captives only accept companies with strong safety and claims management practices, ensuring that the majority of members benefit from the model—leading to an impressive 98% retention rate.

Traditional vs. Group Captive Models

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Companies That Are a Good Fit with Captive Insurance

The best candidates for a group captive program are companies with:


  • Ownership that wants asset protection and desires to reduce their reliance on traditional commercial insurance.
  • Steady cash flow.
  • Significant insurance premiums.
  • Sustainable Insurance: Combined WC, GL, and Auto premiums at $150,000 or more annually.


Captive insurance is ideal for businesses proactive in risk management, consolidating various risk exposures like employee benefits, general liability, auto liability, and workers' compensation.


Captive insurance is also appropriate for companies who are:


  • Safety-Conscious: Members of insurance companies are stakeholders in risk management and workplace safety improvement, with incentives to manage risk and continuous improvement, supported by extensive resources.
  • Accountable: Members take a proactive approach to risk management, attending workshops, undergoing risk control assessments, and implementing the latest safety methods and systems.


  • Focus on Your Business: With KT Captive Advisors, spend less time on insurance issues and more time running your business, benefiting from expert guidance in the group captive industry.


  • Entrepreneurial: Members control coverage decisions, claims processes, and risk management. Successful members are motivated, forward-thinking, assertive, innovative, and embrace the risk-reward trade-off.
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