By Deploying A Captive Insurance Company, Your Organization Has Taken The First Steps:

• Minimize Insurance costs
• Customize your coverage
• Stabilize your premiums
• Pre-fund Retained Risks
• Earn Potential Profits

As Large Account Specialists We Will:

• Talk with our clients and explain their options… as Large Accounts have many options.
• Perform financial modeling to help clients determine if a captive insurance company achieves the goals they have in mind. Or is a Large Deductible plan a better option?  What is the right Specific Retention? What is the Aggregate risk? What is the Loss Pick?  Pre-fund or Letter of Credit?  Tax implications?  CERVUS has financial models that bring clarity to these and many other questions.
• Dig into the underwriting because we don’t feel we can give quality advice without a crystal-clear understanding of the historical exposures and claims. We explain our findings in language clients understand.  We make underwriting information actionable for our clients.
• Prepare detailed reinsurance submissions that include a complete underwriting work-up, actuarial review and pro-forma.
• Seek and Qualify Fronting Arrangements
• Negotiate with claims services providers.

For Clients This Means:

• Turning insurance expense into insurance profit
• Lower insurance costs and greater control over their coverage and risks
• An open door to a variety of national and international reinsurers
• The ability to insure unusual or difficult risks
• Earning underwriting profits and investment income