What even is a group captive?  A group captive is an insurance company that is owned by the businesses that it insurers.  Many safety conscious, financially stable businesses opt to consider participating in group captives as an alternative to the traditional insurance marketplace.  Group captives are not just for large businesses.  All it takes is a commitment to excellence and at least $150,000 in annual liability/workers compensation premiums.  These models often allow for reduced insurance costs, insulation from market fluctuations, and increased control over safety and claim management.  If this sounds like you, please join us at our lunch and learn on February 23rd where we will share additional details on how these programs work, eligibility, and the process for review.