Our Strategy
Captive Strategy partners with innovative, growth-minded businesses to transform their risk management, shifting from traditional insurance buyers to strategic owners of customized insurance solutions.
Mid-sized companies often find commercial insurance expensive, opaque, and inflexible. Limited insight into premiums, claim handling, and cost control can hinder financial planning and workplace safety. At Captive Strategy, we understand these challenges. That’s why we help businesses take control of their insurance programs, offering greater transparency, stability, and long-term value.
Contact us to learn how member-owned group insurance solutions can help top-performing companies avoid the unpredictability of the traditional commercial insurance market.
A Smarter Approach to Commercial Insurance
When Captive Strategy was founded, it began with one clear goal: to reshape the commercial insurance experience to work for businesses—not just insurance carriers. Too often, companies are burdened by rising premiums, limited transparency, and little incentive or support to reduce their overall risk.
Captive Strategy set out to change that. We introduced a member-owned group insurance model that empowers businesses to take ownership of their insurance outcomes. By becoming stakeholders in their insurance program, members gain greater control, benefit from pricing that reflects their actual performance, and even have the opportunity to earn financial rewards for strong risk management.
Control Over Insurance Costs
Our member-owned group programs determine premiums based on each company’s loss history—not generalized state rates or broad industry benchmarks.
Enhanced Safety
Our member-owned group model encourages companies to build strong safety cultures by rewarding proactive risk management and effective loss prevention.
Opportunity for Profit
When members reduce losses and exceed safety expectations, they can receive a share of unused underwriting funds—paid out as dividends.
