Single Cell Captives

These Captives are based solely on your company’s loss experience and do not combine with the loss experience of any other entities; there is no joint and several responsibility.

If you feel that you are throwing away your  insurance dollars  because your loss experience is consistently better than expected and your premiums are in excess of $150,000 per year, this  could be an attractive option.

Capax has extensive experience with single cell captives that cover:

  • Commercial Liability
  • Commercial Property
  • Commercial Auto

Group Captives

These Captives are established by a group of companies with similar businesses or exposures and write only the risks of its owners and/or affiliates ; each owning a minority interest in the Captive.  These Captives  share the risk, cost and benefits of providing insurance to their members.

Capax has extensive experience with Group Captives that cover:

  • Workers’ Compensation
  • Employee Benefits
  • Commercial Liability
  • Commercial Auto