• Casualty Group Captive
  • Health Group Captive
  • Casualty Group Captive
  • Health Group Captive

Why Join a Group Captive?

Team reviewing results on a laptop in an office

Why Join a Group Captive?

Business partners shaking hands across a meeting table

Why Group Captives Work

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

Diagram: traditional insurance, where the carrier keeps the profits, compared with a group captive, where members benefit from lower costs and claims
Diagram: traditional insurance, where the carrier keeps the profits, compared with a group captive, where members benefit from lower costs and claims

Companies That Are a Good Fit with Captive Insurance

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

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.

Colleagues collaborating in a modern office meeting