Captive Insurance Policies
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Take Control of Your Insurance DestinyAlternative Risk StructureTake Control of Your Insurance DestinyAlternative Risk Structures

Alternative Strategies

To Control The Cost of Insurance

Alternative risk funding strategies like captives are the ultimate tool in taking control of insurance costs. Organizations committed to continuously improving risk management programs and safety culture can outperform the standard insurance marketplace through captives. These structures enable strong companies to leverage their loss history and balance sheet to reduce their total cost of risk. Insurance can evolve from a pure expense into a profit center.

Why Group Captives?

  • Strategy

    • Retain small, predictable claims
    • Transfer catastrophic claims

  • Process

    • Pricing based on loss experience
    • Share risks with like-minded partners

  • Upside

    • Lower the total cost of risk
    • Retain investment income



Our team performs due diligence on your current insurance program and previous claims activity to determine the viability of retaining certain risks


Explore different types of alternative risk pools including cases where upfront costs may be higher, but could lead to long term savings

Manager Selection

Our relationships with industry leading single member and multi-member captive managers ensures we find the best long term fit for your risks

Program Design

We help clients determine the best risk structure whether that’s a standalone program, existing member-owned group, or forming a new group


Wellhouse ensures captive performance by monitoring claims, implementing risk management techniques, and holding partners accountable


Our team consistently reviews your program’s performance, risk management partner’s proficiency, and the state of the standard marketplace

Client Testimonials

Take Control Of Your Insurance Destiny

Contact Wellhouse Today