Captives

For more than 25 years, Zurich’s Captives business has been fine-tuning its skills in this growing market. We target a broad spectrum of industry segments, including construction, transportation, temporary staffing, manufacturing and service industries.

Through collaboration and a deep understanding, we work with group captives with different characteristics and needs, including:

Homogeneous or heterogeneous Captives
Both established and start-up Captives
Lines of business to include Workers’ Compensation, automobile, General Liability and limited Inland Marine
Programs designed to reduce and control loss costs
Captives that meet an appropriate level of risk distribution and risk sharing

Commercial contractors captives

This captive program is designed for commercial trade contractors who desire to take risk, are financially sound and have a good loss history. Coverage is available for a variety of contractor types, including street and road, site construction, mechanical, electrical, general contractors (preferably >25% self-perform), water treatment, landscaping, etc. Combined premiums of $250,000+ for Workers’ Compensation, General Liability and Auto Liability, and Auto Physical Damage required.

Agents: Please see the appetite guide

Customers: Contact your insurance agent or broker for access.

Custom captive solutions

Zurich offers custom heterogeneous and homogeneous Captive solutions for group captives, segregated cells, rent-a-captive and risk-retention groups. A minimum premium of $3 million is required, including structures and traditional casualty lines (Workers’ Compensation, General Liability, Auto Liability and property solutions).

Agents: Please see the appetite guide

Customers: Contact your insurance agent or broker for access.

Food industry captives

From bakeries and dairies to food manufacturers and food distributors, this captive requires a $500,000+ minimum combined premium that includes Workers’ Compensation, General Liability, Auto Liability and Auto Physical Damage. Company must have strong commitment to safety and loss control, as well as a desire to take risk.

Agents: Please see the appetite guide

Customers: Contact your insurance agent or broker for access.

Warehousing and logistics captives

This captive was designed for companies that derive the majority of their revenue from warehousing and logistic operations. Eligible companies include those that offer services to their customers such as the storage of goods, transportation of goods and value-added services while not taking possession of said goods. No more than 20% of the transportation exposure can be long haul (over 250 miles).

Agents: Please see the appetite guide

Customers: Contact your insurance agent or broker for access.