FXM Risk empowers mid-market businesses to capture underwriting profit through customized captive insurance solutions.
Schedule a Captive ConsultationKeep the profit instead of paying it to insurers
Customize coverage and claims management
Leverage tax-efficient risk financing strategies
A captive is a privately owned insurance company. Instead of paying premiums to commercial carriers, you keep a portion of your premium and capture the underwriting profit—just like Fortune 100 companies have done for decades.
Select which lines you want your captive to insure—GL, WC, Auto, Property or combinations.
With strong loss control, your captive earns underwriting profit normally kept by insurance carriers.
Gain influence over legal strategy, claims settlement, and reserve control.
A simplified approach to captive insurance that maintains your standard coverage while capturing profit
You maintain your normal commercial insurance program with standard coverage, deductibles, and policy wording.
Your captive takes on a defined layer of risk and receives 35–50% of your premium in return.
The RE-PAID model allows you to maintain your existing insurance relationships while strategically capturing underwriting profit. Your captive assumes a carefully calculated portion of risk, and you benefit from favorable loss experience while still maintaining the security of A-rated carrier backing.
A mid-market cleaning company with $762,000 in GL premium and a 40% loss ratio implemented a captive. Results based on RE-PAID structure.
$762,000
General Liability Coverage
40%
Strong Loss Control Performance
Full ownership with zero debt obligations
Results may vary based on individual loss experience and program structure
See how captive insurance compares to traditional high deductible programs
Ready to explore how a captive can transform your insurance strategy?
Schedule Your ConsultationCaptive insurance works best for businesses with strong loss control and financial stability
Sufficient premium volume to justify captive structure
Favorable claims history creates underwriting profit opportunity
Established risk management and loss prevention practices
Active involvement in claims strategy and resolution
Ability to absorb expected claims within the captive layer
Not sure if a captive is right for your business?
Talk to a Captive ExpertFXM Risk will assess feasibility, structure the captive, coordinate underwriting, and manage regulatory steps.
Comprehensive analysis of your risk profile
Custom design for your business needs
End-to-end regulatory and operational support