Coverages that are included in a Captive:

  • Workers' Compensation
  • General Liability Insurance
  • Automobile Liability and Physical Damage

Other benefits that are derived from being a Captive owner:

  • YOU earn any developed Underwriting Profit and Investment Income (not the carrier)
  • AGGRESSIVE Claims management
  • Specialized Risk Control services
  • CONTROL over decisions affecting you (Claims, Safety and choice of members)
  • Premiums based primarily upon YOUR experience, not the insurance industry's results
  • No renewal surprises
  • Forum for exchange of ideas and "Best Practices"

Insurance Brokerage & Risk Management


Captive Solutions

Harmon Dennis Bradshaw brings a unique level of experience and expertise to their customers when it comes to captive alternatives. This specialization allows our clients to enjoy yearly expense reductions and operational improvements that reflect their commitment to long-term success.

Qualities that successful Captives share:

  • Careful risk selection of members
  • Proactive risk management programs
  • Quality partners/providers (captive management, actuarial, legal, CPA, domicile managers)
  • Actuarially sound pricing and funding
  • Minimizing of risk shifting and sharing
  • Similarity of interests and goals (homogeneous captive approach)
  • Long-term solution to insurance needs

Attributes of a good Captive member:

  • Entrepreneurial spirit
  • Financially sound
  • Ability to take risk
  • Commitment to risk management, throughout the organization
  • Desire to take more control of the insurance process
  • Long term commitment

Captives are surely not for every company or business owner. Yet, for those companies that feel they are ready to take control of their own destiny, captives offer a unique, viable and time tested way to do so. To see if a captive fits into your company's plans and goals for future success, contact us to schedule a personal 20-minute Webinar to learn more.

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