732-842-6200 Facebook Icon LinkedIn Icon Client Login
Logo
☰ ˟
  • Home
  • About Us
    • Leadership Team
    • Testimonials
    • Client Portal
  • Focus On Clients
  • Services
    • Disability & Leave Management
    • Employee Benefits
    • Dental
    • Retirement Planning
    • Risk Management
    • Business Owners Policy
    • Hotel
    • Umbrella
    • Automobile
    • Property & Casualty
    • Group Benefits
    • Student Loan Services
    • Travel Protection Plans
  • Blog
  • Contact Us
Home > Group Captive

Group Captive

A group captive is a legal entity jointly owned by a group of unrelated companies, and formed primarily to insure the risk of its member-owners. There generally are two types of group captives: Heterogeneous (dissimilar industries) and Homogeneous (similar industries). The objective of both types of group captives is to enable a grouping of mid-market employers to replicate the risk profile of a single large employer to spread risk, promote stability, and achieve leveraged cost savings from different service providers. Within a group captive, each employer establishes a separate self-funded plan for their own employees, and then purchases medical stop-loss coverage according to their own risk appetite. The stop-loss is purchased from the common insurer or reinsurer that will provide coverage to each member of the captive.

Benefit Consulting Services Disability and Leave Management Employee Benefits Retirement planning Risk Management
Who We Are About Us Leadership Team Testimonials Case Studies
Resources Blog Newsletter Services Contact Us
Logo Headquarters 818 Shrewsbury Ave. Tinton Falls, NJ 07724 732-842-6200
© Copyright 2021 Two River Benefits Consultants, LLC. All Rights Reserved.