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Food industry captives

industrial equipment loader

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.


Mid to large size companies in the food industry (i.e. bakeries, food manufacturers, food distribution, dairies, etc.)

Account Characteristics:

  • Minimum combined premiums of $500,000+ for Workers’ Compensation, General Liability and Auto Liability/Auto Physical Damage
  • Strong commitment to safety and loss control
  • Desire to take risk
  • Financially sound

Ineligible risks:

  • Slaughterhouses


  • Nationwide

Submission requirements:

  • Currently valued Loss Runs for the past 5 years and current year
  • Exposures for past 5 years (Workers’ Compensation: payroll, General Liability: sales, Auto Liability/Auto Physical Damage: vehicle count
  • Financials
  • Completed submission form, available upon request for contact

Coverages offered:

  • Workers' Compensation
  • General Liability
  • Auto Liability
  • Auto Physical Damage

Coverage limits: 

  • Workers' Compensation - Statutory
  • General Liability - $2 Million
  • Auto Liability/Auto Physical Damage - $2 Million

Additional program highlights:

  • Program established in 1991
  • Unbundled structure
  • Gallagher Basset Claims Administration and Loss Control
  • Captive program, domiciled in the Cayman Islands

Participating in risk as an owner-member of a group captive provides distinct advantages for insureds. Most notably, is the increased ability to provide enhanced coverage, control losses, and smooth the cyclical cost of risk over time. Individual members participate in risk on a proportional basis relative to the total amount of retention retained by the group.

Request contact from the Program Administrator for more information.