Focus West · Captive Programs

What if your insurance
paid you back?

Every year you pay premiums — and in a good year, the carrier keeps the profit.

A captive is
insurance you own.

Not renting coverage from a carrier — owning a piece of the company that insures you.

How a group captive works

Safety-minded businesses pool risk — your premium funds all three.

Unused claim dollars + investment income
come back to you.

Control your safety, and your cost of risk can fall year after year.

A real-world example

A contractor pays $400,000 a year

in traditional, guaranteed-cost premium for workers' comp, general liability, and auto — money that's gone the moment it's paid.

Joining the captive

An upfront stake of about $100,000

sometimes funded in cash, sometimes posted as a letter of credit. It capitalizes the captive you now co-own, and it's returned when you exit in good standing.

Where your premium goes

What you don't spend from your loss fund stays yours.

In a strong, low-claim year

comes back to you as a dividend — the unused dollars in your loss fund, plus the investment income they earned.

Illustrative — actual dividends depend on your losses and the group's.

By year 15

Hundreds of thousands returned — plus equity you've built

Years of strong safety compound: returned premium, investment income, and a growing ownership stake — value a guaranteed-cost policy would have simply kept.

Illustrative only. Not a guarantee — captives carry real risk, including possible assessments.

Is it a fit?

in annual premium for your Commercial Package Policy or Workers' Compensation

Real commitment, real risk — we review your numbers honestly.