How Much Could You Save With Group Captive Insurance?
Use our captive insurance calculator to estimate how much of your annual premium you could get back.
Member-owned group captives pool their insurance premiums to cover qualified loss events. In that sense, group captives work much like traditional insurance companies. The key difference is that captives return unused premium dollars to their members — meaning you get rewarded for safe, responsible business management.
How to use this calculator
This captive insurance calculator provides an estimate only. Your actual savings will depend on the specific policies of your member-owned captive and your annual claims. For a free, personalized feasibility study, get in touch with our captive advisors.
Commercial Auto Insurance Premium
Commercial auto insurance covers loss events involving work-related vehicles. Contractors, delivery drivers, transportation companies, service technicians, and ambulance providers are just a few examples of businesses likely to carry commercial auto insurance. For the most accurate estimate, include the annual total of all vehicle-related insurance premiums, including hired and non-owned vehicle liability insurance.
Workers’ Comp Insurance Premium
Many companies use flexible, pay-as-you-go pricing models for workers’ compensation insurance. If your premiums change month-to-month, we recommend that you take your current monthly premium and multiply it by 12 to obtain an annual estimate.
Liability Insurance Premium
Enter your annual general liability insurance premium. Do not include professional liability (errors and omissions) or any commercial umbrella insurance — this is general liability only.
Claims
Enter your annual general liability insurance premium. Do not include professional liability (errors and omissions) or any commercial umbrella insurance — this is general liability only.
For the Best Results, Enter Numbers for Multiple Years
Of course, some years are better than others. One year’s claims history may not be representative of the past several years of your business. We recommend entering your premiums and claims history for each of the previous five years to get the clearest picture of how a captive may benefit you.
