AHT SPECIALTY CAPTIVE SOLUTIONS
As risks to organizations and people continue to evolve and change, so does the insurance and risk management landscape. AHT strives to provide the most comprehensive and suitable solutions for every company’s insurance needs. AHT provides consulting and formation of owner owned captives − single parent captives, segregated cell captives, risk retention groups and micro captives. AHT has also partnered with Oxford Risk Management Group for our clients that are best positioned to go into a group captive structure.
WHAT IS A SPECIALTY CAPTIVE SOLUTION?
A private insurance solution designed to provide customizable coverage options for unique or difficult exposures business owners face. This type of captive can provide competitive and affordable alternatives to the commercial insurance market.
Designed to Address Difficult Insurance Challenges
AHT has developed risk management programs that can be tailored to meet a client’s specific program needs. Our program provides considerable design flexibility, offering potential solutions for an extremely wide variety of hard market challenges, including the following:
Increase in Commercial Premiums
Are renewal prices significantly greater than last year? Do you believe that your client’s loss history warrants more favorable renewal pricing?
Increase in Deductible Limits
Is the existing commercial carrier requiring your client to significantly increase the deductible on their policies? Are self-insured retention layers increasing to unreasonable levels?
Clients that Need Customizable Coverages
Loss of key customer, loss of key supplier, legislative/regulatory changes and business interruption, to name a few.
Introduction of New Policy Exclusions
Is renewal coverage contingent upon acceptance of coverage exclusion for exposures previously covered?
Are facing non-renewal of coverage? Are excess layers unavailable or subject to significant premium increase?
The Imposition of Sub-limit Caps
Are renewal policies presenting coverage limitations that are more stringent than prior coverage?
AHT’s Specialty Captive program can protect against risks that prove to be too costly in commercial markets or may be generally unavailable. The inability to obtain specialized types of coverage from commercial third-party insurers is another reason why you should consider establishing a captive.
Eligibility to enjoy underwriting profits that result from the program
YOU RETAIN THE PROFITS, not the traditional insurance company.