Casualty Insurance Through a Group Captive
Take control of your liability costs instead of handing them to a traditional carrier.
Casualty coverage - workers' compensation, commercial auto, and general liability - is often where well-run businesses overpay most because standard market pricing doesn't reward strong safety records or low claims history. As your broker, KT Captive Insurance Advisors connects qualifying businesses with group captive programs that pool risk among similar, safety-focused operators, so the premium you pay reflects your actual risk profile, not an industry average.
Coverage lines typically included:
- Workers' Compensation
- Commercial Auto
- General Liability
Why a captive works better for casualty risk:
- Underwriting based on your specific loss history and safety programs, not broad industry rates
- Return of underwriting profit and investment income when claims run low
- Direct input into claims handling and reserving decisions
- Access to loss-control resources and best practices shared across captive members
- Long-term rate stability, insulated from the hard/soft market swings of traditional carriers
