Captive Insurance Solutions for Business Owners
At Retention Insurance Managers (RIM), we help businesses take control of their insurance costs and coverage with customized captive strategies. Whether through a group captive or single-parent captive, our solutions are designed to protect against your unique risks, improve cost efficiency, and allow you to share in potential profits
What Is a Captive Insurer?
A captive insurer is a company owned by the businesses it insures, giving owners direct control over their coverage.
Captives are designed to:
Protect against your own risks
Manage costs more effectively
Share in potential profits
Captives are best suited for high-performing, mid-market companies with strong loss prevention programs and positive claims history.
Captive Insurance Options
Group Captive
Faster setup and lower minimum premiums (starting at $250k)
Shared risk among members
A-rated carriers with flexible deductibles
Lower cost of entry, but limited control compared to single parent options
Single-Parent Captive
Maximum control over coverage and claims
No exposure to losses from unrelated businesses
Ability to use your own defense counsel
Higher minimum premiums (starting at $500k+) but flexibility across many lines of business
Common Coverage Gaps Captives Can Address
Many traditional insurance policies leave businesses exposed due to exclusions and limitations, such as:
Wind/hail deductibles and roof damage exclusions
Margin clauses reducing blanket property coverage
Pollution and contractor-related exclusions
Cyber breach and employment-related exclusions
Captives are designed to help fill these gaps, providing broader protection where traditional policies fall short.
Is a Captive Right for You?
Premiums of $250k+ in one line,
or $500k+ combined
Revenues between $10M – $1B
100–2,500 employees
At least 5 years in business
A loss ratio less than 40%
