Captive Insurance

What is a Captive?

A captive insurance company (Captive) is designed to insure the business and related risks of a small (and usually related) group of insureds. Captives can be formed either in the United States or in a foreign jurisdiction.

What Makes a Captive from ServeCo Different?

ServeCo™ focuses on financial planning for your entire liability profile.

An exclusive partnership with a premier Captive provider gives you direct access to the United States' premier single house actuarial, accounting, and Captive management firm.


Because of the depth of our expertise, you can take advantage of items #2 & #3 when most Captive marketers are only focused on #1.

The result is a difference in millions of dollars of opportunity.

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Captives are typically formed by companies for 3 reasons:

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To Create Insurance For Profitable Risk

That they are already marketing to their customers in aftermarket programs through third parties.

Examples - Extended Warranties, Service Contracts, Mattress Protector Warranties, Comfort Guarantees, etc.

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To Create Insurance For Certain Commercial Risk

That cannot be obtained through traditional insurance markets.

Examples - Cyber Risk, Key Personnel Loss, Regulatory Changes, Reputation Risk, Employee Dishonesty, Delivery Damages, etc.

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To Create Insurance For Higher Deductibles

Negotiated with traditional insurance markets that allow the primary company to lower premiums while fueling a captive with new insurance opportunities

Examples - Health Insurance, Auto Insurance, General Liability Insurance, etc.

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Should I Be Concerned About Risk?

  1. Aftermarket programs that contain risk are actuated, insured by 3rd party Contract Liability Insurance Policies (CLIPS) and have a profile of profitability for BOTH the retailer and the Captive.
  2. When you create insurance for risk that you do not have policies to protect yourself from, you are already self-insured. With a Captive, you get to use the dollars associated with that risk in a dollar saving way. 
  3. The risk that you assume by raising commercial insurance deductibles is typically offset in multiples by the financial benefits that you achieve when those deductibles are not reached. You also get to define that risk within your comfort level.