Risk Financing & Captive Solutions

Creating More Control with Captive Insurance Programs

Think Strategically About Your Insurance

Transform yourself from a standard insurance buyer into a sophisticated organization that finances risk through creative and lucrative risk financing and captive solutions.

 

A captive allows an organization to:

Gain control over its risk management and insurance program

Reduce its total cost of risk

Better protect its balance sheet

Gain access to underwriting profit and investment income

Although captives have been used for decades, many companies have trouble understanding which captive options are available to them and how to evaluate those options. Part of the confusion stems from different types of consultants trying to steer companies into a specific captive product, which may or may not be the best solution for that organization. This can result in the classic “square peg in a round hole” misfit. 

Graham Company is different. We pride ourselves on being a truly independent consultant, with access to domiciles across the United States and the Caribbean. We have the expertise and independence to properly advise, develop, and execute a risk financing and captive strategy that meets your organizations unique needs.

Captives can be utilized to finance several risks including:

Traditional Risk:

Auto

Workers' Compensation

General Liability

and more

Non-Traditional Risk:

Excess Liability

Cyber Liability

Property

Contractors Equipment

and more

Employee Benefits:

Medical Stop Loss

Voluntary Benefits (i.e., Voluntary Life Insurance, Critical Illness, Pet Insurance, and more)

Third Party Risk:

Independent Contractor Coverages

Equipment Warranty

Subcontractor Default

and more

How We Can Help

 

Evaluate Your Needs and Analyze Your Business

Graham will do an analysis on your organization, your insurance program, and your organization's short- and long-term goals to determine more lucrative ways to finance your risk so that you can benefit from your strong safety culture and claims performance – not just the insurance carriers.

 

Build and Implement Your Captive Program

Graham’s Risk Financing & Captive Team will walk you through your options and help you determine which risk financing solution is best for your organization. After a recommended captive option is selected, Graham’s Risk Financing & Captive Team will work with domicile regulators, reinsurers, captive managers, attorneys, and actuaries to implement your captive program.

 

Manage Your Claims and Risk to Increase Performance

Graham’s in-house safety and claims teams are staffed with dozens of highly skilled professionals who focus on a small group of clients so they can understand your business and set up programs that can efficiently reduce losses and increase your captive’s financial performance.

 

Conduct Strategic Reviews

We work with organizations to evaluate new opportunities to expand and evolve an existing captive program from increasing retentions to adding new lines of coverage or risk exposures to insuring the risks of other similar businesses through strategic reviews.

 

Educate

Graham has an array of resources to provide education to you on the various types of risk financing solutions and key considerations for each, including captive insurance programs, deductibles, corridors, and retro programs.

What Type of Captive Could be Right for You?

There are three main types of captives, each designed to fit different needs, like types of insurance, cost, or timeframe. Each have their own benefits and considerations, making it important to educate yourself on them so you can make an informed decision.

Single Parent Captive

A single parent captive is formed and operated by a single owner to insure its own risks and the risks of its subsidiaries and affiliates. It is generally for large organizations wanting to own their own insurance company and have ultimate control.

Rental Captive

A rental captive, also referred to as a segregated cell captive, is owned by an organization that is not one of the policy holders, such as a broker, captive manager, or insurance company. It is generally for larger companies that want their own deal without having to put up as much upfront capital as with a single parent captive.

 

Group Captive

A group captive is owned by group of unrelated companies to insure risks of its owners. It is generally for businesses that want to access the many benefits of a captive program but may not be large enough to support their own program.

Our Approach

Using the P2RIME® process, Graham’s Risk Financing & Captive Team can help you evaluate, design and implement a customized risk financing solution that will help you keep insurance costs down, stabilize your insurance program, and align with your overall strategic objectives.

Play Video

Our Approach

Using the P2RIME® process, Graham’s Risk Financing & Captive Team can help you evaluate, design and implement a customized risk financing solution that will help you keep insurance costs down, stabilize your insurance program, and align with your overall strategic objectives.

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Meet Our Team

Carl M. Bloomfield

AAI, President and Chief Operating Officer

Blair Garland

Captive Practice Leader

Mitchel S. Heckert

Vice President

Hunter Henderson

Producer, Captive and Alternative Risk Solutions

Kevin D. Smith

CPCU, ARM, Managing Director
Group Captive - A Graham Company Case Study

In 2001, we had a number of clients that were evaluating group captives, seeking an alternative to traditional insurance to gain access to underwriting profits as a result of their commitment to safety and loss prevention. They turned to us as their valued insurance broker for strategic advice on which option to select based on size and structure. During this process, we came to the realization that we could take the reins and developed our own group captive. This provided us the opportunity to structure it in a way that best suited our clients and their unique needs.

See the case study

Play Video

Group Captive - A Graham Company Case Study

In 2001, we had a number of clients that were evaluating group captives, seeking an alternative to traditional insurance to gain access to underwriting profits as a result of their commitment to safety and loss prevention. They turned to us as their valued insurance broker for strategic advice on which option to select based on size and structure. During this process, we came to the realization that we could take the reins and developed our own group captive. This provided us the opportunity to structure it in a way that best suited our clients and their unique needs.

See the case study

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