Captives

Our experienced team has a simple, five-step process for assessing whether a captive insurance program is the right fit for your organization.

1. Comprehensive Analysis – Our experts analyze your exposures, coverage needs, cash flow requirements, and current program to understand your needs and determine how we can help.
2. Consultation – After our initial analysis is complete, we provide information about the alternative risk programs available to you and suited to your needs.
3. Program Design – Our experts will help you design programs specific to you. This approach helps to obtain cost-effective coverage that meets your needs.
4. Coordination of Service Providers – We’ll recommend the best service providers, while acting as your liaison with administrators.
5. Implementation – We will work closely with you throughout the implementation phase to ensure you are compliant with regulatory laws.

Contact us to get the process started. We will guide you every step of the way.

We have access to multiple Property & Casualty captives as well as a medical stop-loss captive for employee benefits. If you are interested in learned more, contact these experts:

P&C Captives: Grady Marshall and Jameson Smith

Benefits Captive: Brittany Mann at [email protected]

With an employee benefits captive insurance program, the captive assumes some of the risk that stop-loss insurers usually cover. By retaining the cash flow that is typically paid as premiums, employers can better control premium costs, reduce unnecessary expenses, and capture savings from underwriting.

Joining a captive for employee benefits allows you to have a better grasp on your risk, while retaining the traditional advantages of self-funding. You have the option to keep the plan designs, carriers, and plan administrators you are working with so that your employees do not experience disruption, while still gaining access to more transparent data on what is driving claims.

A captive insurance program for commercial insurance works by aligning organizations who have similar risk profiles. Their combined strength gives the captive the ability to self-insure some of those unique risks, recapturing funds that typically would be paid to insurance companies. This arrangement gives each member of the captive significantly greater control and transparency over their insurance costs without compromising their stability and growth.

At Moreton & Company, we currently administer risk management captives for clients with various needs, including extended warranties, terrorism coverage, large deductible reimbursement, commercial market replacement programs, and others. We have the staff, the expertise, and the vision to help you decide if a captive is the best option for you.

.

Yes! We work with clients across the country. Through our membership with Assurex Global, we can assist domestic clients, as well as those who have operations internationally.