Alternatives to Insurance

If you are paying over $250,000 of premium a year for your business insurance, you may be eligible for the
alternative market. What is the alternative market? Commonly known as captive or protected cell captives,
these programs set insurance rates based on your individual claim histories or that of smaller groups.

For example, a construction small group captive will take the best of the best businesses and group them into
a small, highly organized, insurance company. All the members of the group own the company. Since these
groups only pick the best of the best to be part of the group, the insurance rates can be extremely competitive
as compared to rates in the standard market. Sometimes the individual members can save up to 60% on
insurance costs as compared to the standard market.

Contact us today if you are interested in finding out if you qualify for this alternative way of procuring
business insurance protection that is distinctively unique from the "same old" insurance company policies
and rates.

Call 1-877-262-3276 and ask for Kevin Nemith. We will discuss options with you and determine if this type of
risk financing fits your company.