AHA helps clients quantify and manage risk — and help them unlock new opportunities for growth.
Our thorough and methodological approach includes actuarial studies and analysis, review of legal papers and processing documents for licensing and regulatory approval.
CAPTIVE INSURANCE
When you own the Captive, you own the profit.
WHAT IS CAPTIVE INSURANCE?
A Captive Insurance Program is a specialized and cost effective alternative to Commercial Liability and Health Insurance Coverage. These customized insurance programs traditionally available to large commercial firms, are now available to companies of all sizes. You don’t have to be restricted by the whims and profit margins of the insurance carrier when you can create an individualized program to suit your group’s needs.
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WHY FORM A CAPTIVE?
Forming a Captive Insurance Program affords you the flexibility of customized risk management. Not every business “fits in the box” of traditional underwriting guidelines. Forming your own Captive gives you direct access to reinsurance markets not otherwise available in the standard insurance offerings. This ability to fine-tune your liability coverage gives you more control in the underwriting process and investment strategy. This affords you direct participation in protecting your long-term assets through tax planning, shareholder control and increased cash flow. When you own the Captive, you own the profit.
CAPTIVE COMPARED TO STANDARD
Standard Insurance Formula:
15% profit load + 20% agent commissions = estimated 35% in increased cost in premiums paid for insurance coverage.
Through a Captive Insurance Program, you pay $0 for agent commission and insurance carrier profit.
The management team of AHA has over 25 years of experience creating and managing Captive Insurance Programs. When you partner with us, you are partnering with nationwide industry experts who have a proven track record. Compliance and regulation standards fluctuate and insurance trends are ever changing. Let AHA guide you through the captive insurance process and help you shape a successful business plan for your company. Our professionals will customize your program by determining your risk management needs and weighing the alternatives.