Group Captive Insurance
Alternative risk solutions for midsize organizations.Organizations of all sizes face complex risks that need tailored solutions. No matter the industry. For midsize organizations, securing comprehensive protection for hard-to-place risks is necessary, but often challenging, especially when premiums rise.
NFP’s Group Captive Practice helps midsize and small organizations gain access to sophisticated solutions through group captives. We help midsized organizations access large-scale, comprehensive coverage and gain smarter risk management, cost stability and deeper insight, without losing flexibility or control.
What Is a Group Captive?
A group captive is a licensed insurance company owned by multiple organizations with similar risk profiles. By pooling risk with other like-minded companies, participants gain access to alternative risk financing, improved pricing stability and greater transparency than traditional insurance markets often provide.
Group captive insurance reduces the capital and administrative burden on individual organizations and is a practical option for organizations seeking to share risk.
Built for Small and Midsize Organizations
NFP’s Group Captive Practice is built to support:
- Small and midsize companies facing unique or emerging risks.
- Organizations priced out of or constrained by the traditional insurance market.
- Companies seeking long-term risk strategies.
- Firms seeking to improve cash flow, claims performance and cost predictability.
Whether you are new to alternative risk or already participating in shared risk programs, our experts help you evaluate and choose the right captive structure for your business.
“Small and midsize organizations often face risks that are just as complex as those of much larger companies but with fewer options available to them. Our group captive solutions are designed to help bridge that gap by giving these businesses access to the captive structures, guidance and support to manage risk more effectively.”
Alan Wise, Group Practice Leader, Group Captive Practice
Is a Group Captive Right for Me?
Group captives are a long‑term risk strategy, not a short‑term fix. They are designed for organizations that are financially stable, disciplined about safety and committed to managing risk over time.
Consider the following questions:
Group captives are typically a fit when casualty premiums are high enough that sharing risk and cost with a peer group makes economic sense.
Because risk is shared across the group, consistent and well‑managed loss performance is critical to maintaining the health of the captive.
Financial stability plays an important role in supporting long‑term participation and responsibly retaining risk within the captive structure.
A group captive depends on proactive safety practices, training and prevention to control losses and protect all participants.
Not necessarily. Organizations that are not a fit today may still benefit from improving safety practices, loss performance and risk controls to position themselves for future participation — and we can help.
For large organizations looking to insure their unique risks entirely themselves, rather than through a group captive, a wholly owned captive may be the right solution.
How NFP Helps
We help organizations take control of risk. Our Group Captive Practice provides tailored captive consulting and broad management capabilities, giving clients access to deep industry knowledge, data‑driven insights and customized solutions.
Our services span the captive lifecycle, including:
- Eligibility assessments and financial modeling.
- Evaluation of available group captive programs.
- Program placement and onboarding coordination.
- Ongoing advisory support as your organization transitions into a captive structure.
Disclaimer
Insurance services provided by NFP Property & Casualty Services, Inc. (NFP P&C), a subsidiary of NFP Corp. In California, NFP P&C does business as NFP Property & Casualty Insurance Services, Inc. (License # 0F15715).
Practice Leaders
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