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VIEW ALL SERVICESStop paying retail for insurance. Group captives let qualifying businesses pool their risk, control their program, and share in the underwriting profit when the group performs well. Core Brokers guides you through every step.
A group captive is an insurance structure where a group of like-minded, safety-focused businesses form their own insurance company. Instead of buying coverage from a traditional carrier and letting the underwriting profit go to Wall Street, captive members keep a portion of that profit themselves.
To qualify, your business typically needs $150,000 or more in annual premium, a commitment to safety culture, and a track record that demonstrates loss control discipline.
Core Brokers has shepherded numerous California businesses into group captives — and we stay involved to protect your position within the group for the long term.
We guide you through every step — from initial assessment to your first profit distribution.
We evaluate your loss history, premium spend, and risk profile to determine captive readiness.
We match you with the right group captive — industry-specific, financially sound, and properly structured.
Your coverage, retention levels, and loss fund are structured to optimize cost and maximize profit-share potential.
We monitor claims and reserves throughout the year to protect your loss fund and position you for profit sharing.
Good years mean money back. Captive members share in the underwriting profit of the group.
Annual reviews, claims advocacy, and continuous program optimization — we stay involved long after binding.
Find out if your business qualifies for group captive membership — it could be the most profitable insurance decision you ever make.
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