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Captives


Alternative Risk Financing

Companies with a favorable loss history can take control of their insurance costs by joining captive insurance companies. These companies enable their owner-members to “recapture” the underwriting profit and investment income from unused loss funds – funds that traditional carriers use to pay the claims of other policyholders or take as profits. In addition, captives provide members with greater long-term pricing stability, a voice in selecting the partners who service the group captive, and the opportunity to share best practices with their brightest peers. Lyons represents multiple captives and helps clients to understand how captives work and how to qualify for the one that best fits their needs.