Captive Stop Loss

Stop loss captives allow employers to share a layer of predetermined risk among a larger population. The sharing of the risk layer insulates individual employers from higher claim fluctuations as single claims are absorbed into a larger pooling arrangement. However, starting your own captive can be a very time consuming and expensive process. Our stop loss captive allows employers to join an established, financially secure captive without the regulatory requirements and upfront expenses.

Highlights

Insurance produces can offer two captive model options to their clients:

1. The producer-centric model captive option: Producers can provide valuable guidance to their employer clients by utilizing our producer-centric captive where only the producer’s own clients will have access to the segregated cell. The producer sets up the entrance requirements and the rules of the captive. Producers can start their own captive cell with as little as $1.5 million in stop loss premium.

2. The starter cell model captive option: Producers who have one or two clients interested in captive participation can utilize our starter cell captive. There is no minimum number of lives or amount of premium required to join the starter cell. All producers and employers will have access to the starter cell. It’s an excellent way to get interested employers into a captive without needing hundreds of insured lives or millions of stop loss premium to get started.

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Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain and Ireland, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 

Our financial strength ensures our clients will always be protected.

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Our holistic portfolio of products includes more than 100 classes of specialty insurance

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Tokio Marine HCC is part of Tokio Marine, a $31 billion company

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