Risk Management Alternatives

At Alternative Risk Underwriting (ARU), we specialize in helping mid-sized companies manage their business insurance risk through uniquely structured member-owned group captive reinsurance companies. Our expertise lies in crafting customized solutions that cater to the specific needs of our clients, providing greater control, stability, and lower costs than traditional business insurance solutions.

Captive Insurance Expertise

Our team has spent decades perfecting the art of captive insurance, with experience dating back to the 1980s when group captives were a new concept. Over the years, we've worked with various captive structures, allowing us to develop a deep understanding of what works and what doesn't. Our proprietary captive model is designed to provide stability and minimize the threats of volatility.

Captives for Mid-Sized Companies

Contrary to popular belief, captives are not just for large corporations. At ARU, we've helped countless mid-size businesses take control by joining a member-owned group captive. Our expertise lies in crafting customized solutions that cater to the specific needs of our clients, providing greater control, stability, and lower costs than traditional business insurance solutions.

Insurance Available for Group Captive Members

Through our captive insurance programs, members can obtain a wide range of commercial insurance coverage types to manage their risks. Our available coverages include:

• Primary casualty coverage
• Workers' compensation
• General liability and product liability
• Commercial auto
• Commercial property
• Business interruption
• Health insurance for employees
• Additional coverages

Benefits of Captive Insurance

In a traditional setup, the insurance company has no connection to the insured outside of providing insurance coverage. In a captive arrangement, the insured company or companies own the insurance company. This arrangement offers multiple advantages, including:

• Greater control over coverage and claims processes
• The ability to directly impact costs through risk management
• The potential to receive dividends in the captive structure

Get Started with Captive Insurance

If your company has succeeded in managing losses and is tired of overpaying for insurance in the traditional insurance marketplace, it's time to explore your captive insurance options. Let Alternative Risk Underwriting (ARU) show you what captive insurance can do for mid-size companies when they partner with similar businesses. With over 25 years of experience in captive and alternative risk solutions, we're confident we can help your company achieve greater control, stability, and lower costs.

Why Choose ARU?

Our unique underwriting philosophy, proprietary captive structure, stable industry partnerships, and deep expertise set us apart from other captive insurance providers. We're committed to thoughtfully selecting members and providing a proven captive model that minimizes volatility and maximizes member contributions. Contact us to learn more about how ARU can help your company benefit from captive insurance.