What Is Group Captive Insurance?
In short? It’s where the grown-ups play. (And sometimes win.)
Group captives are like an exclusive club for responsible companies. Instead of throwing your premiums into a bottomless pit of mystery and rate hikes, you team up with other well-run businesses and own a piece of the action.
With a Group Captive, you:
- Stop renting insurance year after year with nothing to show for it
- Own a portion of the insurance company (yes, really)
- Earn back unused premiums if you keep claims low
- Gain transparency into how your premiums are used
- Partner with other responsible companies who take safety and risk seriously
It’s not for everyone. But if you’re already running a tight ship and tired of footing the bill for companies that aren’t—we should talk.
Who’s a Good Fit?
We typically recommend captives for businesses that:
- Spend $150,000+ annually across Work Comp, Auto, and General Liability
- Have a strong safety culture
- Are financially stable
- Have low to moderate loss history
- Are tired of rate increases despite good performance
- Want more control over their insurance dollars
If that sounds like you, you might be just one conversation away from a smarter strategy.
Still Need Traditional Coverage? We’ve Got That Too.
Captives aren’t the right fit for every business, and that’s okay. We also offer rock-solid traditional coverage options for companies of all sizes, including:
- Business Auto
- General Liability
- Workers Compensation
- Commercial Umbrella
- Property & Inland Marine
- Cyber Liability
- And more
We’ll meet you where you are—no pressure, no one-size-fits-all solutions, and absolutely no cartoonish sales tactics.
Why Hoesli Insurance Agency?
Because we don’t just quote and ghost.
We’re a team of real people who care about helping you grow, save, and protect what you’ve built. We specialize in working with contractors, manufacturers, logistics companies, healthcare pros, and other growing businesses who need insurance that actually keeps up.
- Independent
- Pro-business
- RamseyTrusted
- Captive-savvy
- No nonsense—but a little personality
Ready to Explore a Better Option?
If you’re spending $150,000+ a year on insurance… it’s time to stop treating it like a sunk cost and start treating it like a business asset.
Click below to schedule a 15-minute strategy call
Let’s see if you qualify—and if you could stop renting insurance and start owning it.