3415 S Sepulveda Blvd 11th Floor Los Angeles, CA 90034
CA License # 0I43584
CA License # 0I43584
Group Captive Insurance: Take Control of Your Insurance Costs
For well-run businesses with strong safety practices, Group Captive Insurance offers a powerful alternative to traditional insurance. Instead of renting insurance from a carrier every year, a captive allows companies to gain ownership, stabilize premiums, and benefit financially from their own performance.
At Germani Insurance, we work closely with Captive Resources, the nation’s leading group captive administrator, to help qualified clients join proven and financially secure captive programs. We support you through every step of the process:
✓ Pre-qualification and feasibility review
✓ Loss analysis and safety evaluation
✓ Captive education and financial modeling
✓ Membership application and onboarding
✓Ongoing captive performance review
Why Captives Exist — The Fortune 500 Model
Most Fortune 500 companies have their own single-parent captive insurance companies to manage their risks. They do this because owning their insurance company allows them to:
- Control their insurance costs
- Retain underwriting profits
- Improve safety performance
- Build equity
- Gain greater transparency into claims
- Reduce dependence on volatile traditional insurance markets
However, creating and operating a single-parent captive requires tens of millions of dollars in capital, making it unattainable for small and mid-sized companies.
How Middle-Market Companies Access the Same Benefits?
To overcome this barrier, well-run middle-market companies began joining together to form Group Captive Insurance companies.
These group captives provide the same fundamental benefits Fortune 500 companies enjoy — but at a fraction of the cost, because the capital requirements and risk are shared among a select group of peer companies.
This structure allows middle-market businesses to:
- Participate in underwriting profits
- Benefit from lower long-term insurance costs
- Improve safety performance through accountability
- Access robust risk management resources
- Stabilize premiums year over year
Group captives have become one of the most effective insurance strategies for companies spending $150,000+ annually on Workers’ Comp, Auto Liability, and General Liability.
Key Benefits of Group Captive Participation
Stable, Predictable Premiums
Captives avoid the volatility of traditional market cycles.
Return of Profits
Unused premium and investment income are returned to members.
Ownership & Transparency
Members understand exactly where their dollars are going and have input into risk control strategies.
Enhanced Safety Culture
The captive model encourages continuous improvement and shared accountability.
Long-Term Financial Reward
The longer a company participates, the greater the potential return.
What Is a Group Captive?
A group captive is an insurance company owned by its member businesses. Each member contributes premium, shares in the risk, and participates in the financial rewards of strong performance.
Instead of handing profits to a traditional insurance carrier, the group captive:
- Retains unused premium
- Earns investment income
- Returns surplus back to its member-owners
Membership is selective and built around strong, safety-focused companies.
Ready to explore whether group captive insurance is right for your business?
Who Qualifies for a Captive?
Your company may be an excellent candidate if you:
- Spend $150,000 or more in combined P&C premiums
- Have a history of responsible operations and safety awareness
- Maintain consistent financial stability
- Operate in construction, manufacturing, contracting, distribution, or similar industries
- Are committed to improving safety and long-term cost control
Take the First Step Toward Insurance Ownership
If you’re frustrated with rising premiums, limited control, and paying for industry averages that don’t reflect your excellent safety record, group captive insurance might be the solution.
Call us at (310) 733-2390 or request a confidential captive feasibility analysis. We’ll evaluate your current program, analyze your loss history, and provide an honest assessment of whether captive insurance can deliver meaningful benefits for your company.
Industries We Serve
From builders to business owners, we protect the industries that power California’s economy. Our specialized expertise and proactive risk management approach deliver coverage that works as hard as you do.
Construction & Contractors
Manufacturing & Fabrication
Engineering & Professional Services
Hospitality & Retail Owners
Fitness & Wellness Centers
Request a Quote Today
Join the businesses saving thousands on premiums without sacrificing coverage. Request a free quote and discover the Germani Insurance difference: better protection, better rates, better service.
Common Questions
Got questions? We’ve got answers. Here’s what businesses ask us most about coverage, savings, and our approach to commercial insurance.
Group captive insurance allows multiple businesses in Los Angeles to pool their risks and self-insure collectively. This model can reduce long-term insurance costs while giving businesses more control over claims and risk management.
Mid-sized businesses with strong safety records and stable operations are ideal candidates. Industries like manufacturing, construction, and logistics often benefit the most.
Benefits include lower premiums over time, potential profit sharing, improved claims transparency, and customized risk management strategies.
Yes, since risk is shared among members, poor claims performance by one participant can impact the group. Proper underwriting and risk selection are essential.
Businesses must meet financial and operational criteria and typically work with specialized advisors to assess eligibility, structure participation, and manage ongoing performance.