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Our Captive Insurance Programs

RBC Associates is committed to finding the best insurance and risk management solution for our business clients. This may mean looking at an alternative risk solution to traditional insurance where a client’s favorable risk profile and capital strength allow the business to take on greater risk and gain the benefits of a Captive insurance program.

A Captive insurance program is defined as an independently owned and operated insurance company that provides insurance to and is controlled by its owners. Mid-sized businesses can become part owners of an insurance company along with other financially strong and safety-focused businesses and benefit from their collective purchasing power.

Why Partner with a Captive

  • Proven pricing practices offer unbiased formulas to calculate premiums based on your  actual loss history
  • Risk management services better control your risk and help prevent losses
  • In-house safety professionals to help you coordinate safety training and support
  • Claims services to provide efficient claims advocacy handling complex and difficult claims, and keep its members apprised of loss experience
  • Investment tools that maximize your assets

Benefits of Captive Insurance

Captives provide its members with several key advantages:

  • Reduced operating costs
  • Greater control over premiums, claims and coverage
  • Coverage flexibility
  • Enhanced employee safety resulting in fewer claims
  • Participation in underwriting returns and investment income in the form of dividends
  • Opportunity for increased profitability

Some of Our Captive Programs

RBC has a designated team of seasoned experts that work in conjunction with our Captive partners. Our accessible Captive Programs span 35 Group Captives serving thousands of businesses across the United States. One of our main Captive Partners oversees combined premiums of $2.5 billion and assets of nearly $6 billion.

  • Manufacturing and Distribution
  • Construction
  • Retail
  • Food and Beverage
  • Agriculture
  • Oil and Gas Well
  • Healthcare
  • Temp Employment Agency

Thousands of businesses have moved from traditional insurance market and turned to a Captive  Program for a smarter solution in an insurance market where prices have risen, policy terms and conditions have become more restrictive and, in some cases, coverage is difficult to obtain.

RBC can facilitate the process of determining whether a Captive is right for your business. We will handle all the paperwork, compile all the necessary data, and will work hand and hand with our Captive Partners.  The end result is a full and complete Captive presentation designed specifically for you.

Protecting Your Future Is What We Do

Our knowledge, service, and teamwork are the pillars of our success in providing
insurance solutions that meet the needs of our clients while they grow their business. We have built our reputation on our hands-on approach to each client’s account. We’d like an opportunity
to serve you. Give us a call at 732-748-1100.