Captive Programs

With more than 20 years of experience supporting risk sharing alternatives and captives, The Hartford is a proven program partner. We have the knowledge of alternative markets, underwriting know-how, products, and services to support different types of captives.

Captive Programs are structured as:

• Agency Captives owned by agents or brokers
• Group Captives owned by member policyholders
• Association Captives owned by association cooperatives and franchisors

Appetite for new programs includes:

• Existing programs or books of business that have a profitable track record
• Homogeneous or heterogeneous risks
• Wide range of account size acceptability
• Broad class appetite including higher hazard business requiring specialized underwriting
• $5 million first-year target premium

Products and Services

Captive clients can access the full range of The Hartford's property casualty products. Tailored coverages are available for special circumstances. Our broad range of coverages and pricing tools can meet the needs of commercial accounts of all sizes and levels of complexity. Coverage can be written on an admitted or surplus lines basis. Some of our superior services to support captives include:

• Dedicated program manager and underwriting team
• Oversight of claims and third-party administrators; we work with independent Third Party Administrators and provide experienced claim assistance and complex case management
• Customized loss control services
• Premium audit services
• Ability to work with multiple domiciles and rent-a-captive facilities