Captive Insurance Programs

More Than 20 Years of Serving Captives

Relationships are the foundational basis for any captive insurance policy, but relationships take time. With 20+ years of experience in supporting risk-sharing alternatives, The Hartford has a record for being there. Let us put our experience to work for your clients with a relationship they can trust, whatever the future holds.

Secure Your Client’s Future With Our Experience

The Hartford offers your clients ideas and knowledge for reducing their share of the risk and more, including:
  • Extensive knowledge of the captive business model
  • Broad underwriting experience
  • Innovative products
  • Dedicated services supporting multiple captive structures

Who We Serve

Our captive programs are structured as:
  • Single Parent Captives which are formed as a subsidiary of a “parent” organization to ensure all are part of the organization’s risk
  • Group and Association Captives owned by member policyholders
  • Agency Captives owned by agents or brokers

Our Appetite

Single Parent Captives
  • Size preference: $1M to $35M loss picks
  • Strong financials
  • All lines preferred: auto liability, general liability, worker’s compensation
  • Claims service and risk engineering can be bundled or unbundled
Group and Association Captives
  • $5 million first-year target premium
  • Existing books with a profitable track record
  • Specific excess and unlimited aggregate insurance coverage
  • Actuarial analysis of loss funding levels and pricing
  • Claims service and risk engineering can be bundled or unbundled
  • Policy issuance and required filings to state and bureaus
Agency Captives
  • Risk sharing: Minimum 50 percent quota share of $250,000+ retention
  • $10 million first-year target premium
  • Existing books with profitable track record
  • Hartford services available for claims and risk engineering

A Full Range of Products & Services

Your clients have access to our broad range of property-casualty coverages (commercial auto, general liability, workers’ compensation, property, inland marine and umbrella) and a full suite of services that include:
  • Dedicated program manager and underwriting team
  • Oversight of claims
  • Ability to work with independent third-party administrators (TPAs), providing experienced claims assistance and complex case management
  • Customized risk engineering services to supplement TPA services
  • Premium audit services
  • Ability to work with multiple domiciles