Captive / Alternative Risk Financing Program
CMR’s group captive solution is designed for businesses looking to take greater control over their total cost of risk across multiple lines—including workers’ compensation, general liability, auto liability, property, and more.
By participating in a captive, you bypass traditional insurance cost structures—avoiding carrier acquisition costs, marketing expenses, high commissions, and administrative overhead.
- Dividends and Profit Sharing: Earn distributions based on your own loss performance across all covered risks
- Investment Income: Captive funds are invested, and earnings accumulate for the benefit of the member
- Transparent Pricing: Premiums are based on your actual loss history, not industry averages or market trends
- Long-Term Stability: Reduced reliance on the traditional insurance market, insulating you from hard-market rate swings
CMR supports members with a full suite of risk management services, including:
- A formal risk assessment methodology for identifying and addressing exposures
- Access to in-house safety professionals across all lines of coverage
- Coordinated loss control services tailored to your specific operations
- Tools and resources to strengthen your safety culture and improve claim outcomes
CMR’s group captive solution is designed for businesses looking to take greater control over their total cost of risk across multiple lines—including workers’ compensation, general liability, auto liability, property, and more. By participating in a captive, you bypass traditional insurance cost structures—avoiding carrier acquisition costs, marketing expenses, high commissions, and administrative overhead. Key benefits include:...
