TAKE BACK YOUR INSURANCE PROFITS
Stop Renting Insurance. Own It. Take Back Up To 60% Of Your Premiums
Meet and join a vetted group of high-performing landscape firms that have been in group captives since the early 2000s
No obligation. Speak with a licensed agent.
Eligibility Requirement: Landscapers who are paying at least 150K in combined insurance premiums (WC, AL, APD, GL) can apply.
Your insurance company wins when you don't file any claims. Shouldn't you benefit? Over 8000 SMB owners have switched to group captive insurance. Group captives reward safety and help you take back premiums you don't use. This isn't a shortcut. It is reserved for the best businesses that deserve to keep the profits.
Why Good Businesses Lose in Traditional Insurance
1. You Pay for Your Competitor's Mistakes
2. Your Low Claims Become the Insurance Company's Profit
With traditional insurance
- In traditional insurance, everyone pays into the same pot.
- It doesn't matter if you run a safe business or file fewer claims.
- Your money is used to cover other people's mistakes.
- And if you don't use your insurance, the insurance company keeps the extra money.
Group Captive Insurance works differently.
- Your money stays tied to your own results
- If you have fewer claims, you keep more
- Good safety actually pays off
If you run a good business, you should be rewarded by insurance, not pay for the careless ones.
Why Hasn't My Broker Told Me About Captives?
The Best Kept Secret in Commercial Insurance
It's not your broker's fault.
Most brokers earn higher commissions in traditional insurance. Captive Insurance is more transparent and pay lower commissions, so many brokers don't specialize in them and require more effort to help clients.
At Captive Insurance Partners, we focus exclusively on captives and work at lower commissions because we believe earning a client's trust for the long term is more valuable than maximizing short-term fees.
Approved For Contracts, Loans, And Compliance
This is not "random" insurance. Your coverage is issued on gold-standard AM Best A-rated carrier paper, so it is always accepted for contracts, loans, and state requirements just like traditional insurance.
Take Back The Money You Don't Use
In traditional insurance, unused premium is gone forever. In a captive, if you run a safe business and have fewer claims, that unused money can come back to you over time while keeping the same compliant insurance coverage you've always had.
Same Coverage, Same Endorsements
You do not give up protection by switching. Your policy can include the same coverage and endorsements you already carry. For major, worst-case losses, group captives also buy extra protection through reinsurance, so you stay fully covered even in catastrophic events.
Frequently Asked Questions
Stop Losing Your Best Years to the Carrier
If you run a disciplined operation and rarely file claims, you shouldn't keep funding the carrier's profits.
Group captives are how the safest operators keep their upside. It is why group captives have a 95-99% retention rate every year.
- Keep unused premiums instead of losing them
- Same coverage and endorsements as traditional insurance
- Limited spots: captives accept only qualified businesses
No obligation. Speak with a licensed agent.
Schedule a Call
Talk to a licensed agent. Free consultation. No obligation. Our analysis takes 1 week and includes detailed recommendations tailored to your risk profile.
The illustrations on this page are for educational purposes only and are not intended as insurance, tax, or legal advice. Coverage structures and outcomes vary by program and participant (NPN: 22111187).