The Group Captive: Turn Your Insurance into an Asset for your Company.
If you’re a best-in-class business paying over $250,000 in premiums (Captives generally only cover Workers Compensation, General Liability, and Auto) you’re likely overpaying. It’s time to stop funding the traditional market and start building your own asset.
Find Out What You Could Be Getting Back.
In most traditional markets, you get $0 back, no matter how well you perform. Use our 5-Year Equity Analysis to see the potential six- or seven-figure return you could have earned by joining a group captive.
If You Run a Great Business, You Are Overpaying for Insurance.
You run a tight ship. You invest in safety, manage risk, and maintain consistently low loss ratios – often 50% or less over time.
So why are you still paying high premiums just to subsidize others in the traditional market? When your account performs well, carriers keep the underwriting profit — and there’s still no guarantee of a flat or reduced renewal. Even claim-free businesses can face premium hikes driven by factors like class of business, wage and material inflation, or rising construction and shipping costs.
The Group Captive: Turn Your Insurance Into a Revenue Stream.
We do things differently. We specialize in member-owned group captive models that reward best-in-class operators like you.
Here’s how it works: Instead of your entire premium disappearing, it’s split.
About 40%
covers fixed costs, reinsurance, and administration.
THE REMAINING 60%
goes into your loss fund – an account owned by you and the other members.
Each member’s account is their own, though a small portion (typically no more than 5%) is shared among members to cover catastrophic claims. This necessary component qualifies the program as insurance, which provides stronger tax advantages.
Over time, your performance pays off. Starting around year three, members begin receiving distributions of unused funds and investment income. By year five, barring catastrophic losses, you’ll have received the full return from your first year – and likely a significant portion from years two and three.
Additional benefits include:
- Predictable Costs for Growth: When your business expands through acquisitions, you can easily add new operations while maintaining a clear view of your insurance costs.
- A True Balance-Sheet Asset: Participation in a captive program creates an asset that can increase the overall value of your business when it’s time to sell.
- Stronger Protection for Vehicle Fleets: Captive programs offer options to increase liability limits from $1 million per vehicle up to $2-5 million, reducing excess coverage costs and better protecting your business from large losses (As contract requirements require increased limits, your Captives have the power to address those needs.
- Exclusive Peer Network: Membership connects you with other high-performing business leaders at board meetings and workshops – sharing strategies to improve performance and profitability. Think of it as a Country Club for business insurance.
- Proven Performance: Captive programs have operated successfully for more than 40 years, delivering measurable savings, consistent growth and profitability that directly benefit business owners, not just insurance companies.
It's simple: You stop paying for other people's claims and start profiting from your own good performance.
Turn Expense into Profit
Your unused loss funds are returned to you as a dividend. Your premium pool generates investment income. We help you transform one of your largest overhead line item into a strategic financial asset.
Gain Control Over Claims
In the standard market, you have no say. In a captive, it’s your money. You get full transparency into your claims activity, greater involvement in how claims are managed and settled, and the ability to choose your own legal counsel. Gain insight and work with other successful owners to fight frivolous claims and protect your bottom line.
Build Generational Wealth
A captive isn’t just about annual savings. Your equity is a performing asset. It can be a powerful, protected tool for succession planning, perpetuation planning, and building long-term, transferable wealth.
Expertise You Can Trust. Power You Can Rely On.
Liberty Insurance Agency isn’t just another broker. We are specialists in this space. To ensure our clients have the best-in-class structure, service, and security, we have partnered with Captive Resources—the largest, oldest, and most experienced group captive broker in the world. You get the hands-on, boutique service of our agency, backed by the power of an industry leader.
Real Expertise. Real People. Real Results.
The “big-box” brokers are replacing their service teams with AI chatbots and one-size-fits-all solutions. They see you as a number on a spreadsheet.
We see you as a partner.
At Liberty, you get a proactive, human-led relationship with a dedicated specialist who understands your business and fights for your bottom line. We are here to completely change how you view your insurance and your agent is ALWAYS only a phone call or text away. All of my clients have access to my cell phone number and we respond quickly to all client questions or concerns. We understand that claims or business issues don’t always happen M-F 9-5 and we are here when you need us.
Jason Rigby
Sr. Vice President, Property & Casualty
“My goal isn’t to sell you a policy. My goal is to make you a partner. Let’s have a real conversation about turning your insurance premium into your next great asset.”
National Reach. Industry Depth.
Liberty serves clients across the country, from local businesses to multi-state and national accounts. With dozens of captive and standard-market clients outside of Pennsylvania, our capabilities extend far beyond our Pittsburgh roots.
And no matter where you operate, we bring deep experience across a wide range of industries, including:
- Trucking & Transportation
- Service Organizations
- Healthcare
- Construction
- Street & Road Contractors
- General & Trade Contractors
- Manufacturing
- Oil & Gas
- Employee Benefits / Health Insurance Programs