Smarter Together — Group Captive Solutions
Group captive insurance gives you the power to shape your risk management and financial future. With Sequel by your side and the strength of other top-performing companies, you gain smarter coverage, greater transparency, and strategic cost savings. Let's build the stability and control your business deserves.
Group Captive Advantages
Group captive programs reward your strong performance with cost savings, greater control, and lasting financial stability for future growth.
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When your business prioritizes safety, strong leadership, and smart risk management, you shouldn’t be penalized with the same pricing as everyone else. Group captives are designed to recognize and reward disciplined performance, giving you greater influence over your outcomes.
By aligning premiums with actual results, you gain more stability, fewer surprises, and the opportunity to benefit from the success you help create. It’s a structure that turns responsible risk management into a financial advantage.
Transparency is at the heart of group captives. As a member, you see exactly how your premiums are used — from claims to expenses — and take part in key decisions. With open financials and shared accountability, you gain true insight and control over your insurance costs.
With group captives, nothing’s hidden. You see where every dollar goes, how claims are handled, and how your performance impacts results. It’s a transparent approach that gives you control and rewards strong risk management.
Manage risk well, and you shouldn’t be stuck with rising premiums. Group captives put you in control, helping reduce costs and avoid unexpected increases. It’s insurance designed to work for your business — not against it. Strong risk management deserves fair, predictable pricing.
Group captives give businesses more control andtransparency, helping reduce costs and eliminate surprise rate hikes. It’s insurance that supports your success, not stands in your way.
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Frequently Asked Questions
Have questions about Sequel’s group captive solutions and other insurance options? Here are clear, straightforward answers to help you understand how they work and make confident decisions for your business.
Businesses with strong financials, solid safety programs, and annual premiums of $100,000 or more are great candidates for a group captive. If you’re committed to managing risk and want more control and stability, a captive may be the right fit.
Group captives let members take control of their insurance costs. Instead of paying premiums to a traditional carrier, members share in the results of their own performance. When claims are low, profits and underwriting savings are returned to members — not kept by an insurer. Overtime, this means lower total costs, fewer rate surprises, and more stable pricing.
Members of a group captive have a direct voice in how their insurance program is managed. They help make decisions about coverage options, claims handling, risk management strategies, and how profits are distributed. This ownership structure gives businesses greater transparency, accountability, and control than traditional insurance ever could.
In a member-owned group captive, members share some risk foreach other’s claims. Each company covers its own losses up to a set amount, while larger shared losses are pooled among members and protected by reinsurance. Your responsibility is limited and defined.
Yes. You can leave a group captive with proper notice and once all financial obligations are met. The process is designed to be fair to both your business and the remaining members.
