Joining an Association Captive

Should you consider an Association Captive as an alternative to your present insurance situation? This page will help get you started in your evaluation process.

Following is a list of questions to consider before forming or joining an Association Captive:

  1. How many other members or companies are interested?

  2. What lines of insurance would be written through the captive?

  3. How do you and the other members feel about pooling of risks -- that is, sharing the cost of losses with other members, some of whom may be competitors? (Note: It is sometimes possible for a captive to be formed such that each member is responsible for all or most of its own losses.)

  4. Are you and the other members willing to make a long term commitment, say for at least five years?

  5. Are you and the other members willing to make a financial commitment in order to capitalize the captive?

  6. Are you and the other members willing to make a commitment to loss control?

  7. Will the captive be able to provide you with coverages that you cannot obtain at a reasonable price in the traditional market?



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  HIGHLIGHTS

P&C Perspectives, January 2012: Restaurant Workers' Comp: Affected by Recessionary Dynamics, right? Not so Fast.
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P&C Perspectives, November 2011: Swiss Asbestos Cases Highlight Tail Risk. Health Costs May Spike Across Europe Well After Bans.
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Benefits Perspectives, October 2011: Considerations in Choosing a Target Date Fund. Also in this issue Outsourcing for Mid-Sized Organizations.
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Impact of the “Patient Protection and Affordable Care Act” on Captives - May 25 presentation by Bill Thompson
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Healthcare Reform - Potential Opportunities for Captives - Jan 2011 article by David Liner and Kathleen Ely, reposted May 2011.
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Using Captives for Employee Benefits
A presentation describing how and when your company might use a captive for employee benefits. [To Presentations Menu]

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