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Group Captive Insurance: Take Control of Your Business Risk

Take charge of your insurance, reduce costs, and unlock long-term financial benefits with a captive insurance program.

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While policies and coverages remain similar to standard insurance, group captive members benefit from:

  • Improved risk control
  • Efficient claims handling
  • Enhanced dividend potential

Benefits of Captive Insurance for Your Business

Beyond financial advantages, captive insurance programs provide businesses with greater control over risk management and cost stabilization. It’s an opportunity to rethink insurance as a strategic asset rather than just an expense.

Save More, Spend Smarter

  • Implement strategic risk management, leading to long-term savings and potential financial returns
  • Gain greater insight and transparency in claims handling

Gain Influence Over Risk & Cost

  • Instead of premiums going entirely to a third-party insurer, captive members share in underwriting profits and investment income.
  • Create long-term financial stability and lower insurance costs.

Achieve Long-Term Cost Stability

  • Avoid the pricing volatility of the traditional insurance market.
  • Achieve financial predictability and stability, no matter market conditions.

Turn Insurance Into a Business Asset

  • Captive insurance is more than just protections – it’s a long-term strategy
  • Strengthen you business, stabilize costs, and drive financial growth

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A group captive is an insurance program where businesses join together to self-insure, giving them more control over costs and claims management while benefiting from underwriting profits.

By reducing claims and managing risks effectively, businesses in a group captive can receive dividends from unused premiums and benefit from more stable long-term insurance costs.

Businesses with strong risk management practices, a good claims history and a minimum combined premium of $100,000 are ideal candidates for a group captive.

Most group captives cover Workers’ Compensation, General Liability, and Commercial Auto insurance, but some offer additional coverage options depending on the group’s needs.

Joining a group captive starts with a risk assessment to determine eligibility. Contact us to see if a captive is the right fit for your business.

Get Started with a Captive Insurance Program

A group captive insurance program isn’t just an insurance policy—it’s a powerful financial strategy that helps business owners reduce costs, manage risks effectively, and build long-term resilience.

McKnight Insurance specializes in helping businesses explore captive insurance solutions. Contact us to determine if a group captive is the right fit for your company.

McKnight Insurance Services Independent Agency in Mansfield Texas

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