Reducing Liability Exposure through an Agency Captive Solution


A national building supply wholesaler sought to protect against unexpected high dollar claims on its employees’ long term workers compensation.


The multi-billion dollar business found that the occasional big dollar hit from a workers compensation claim – often many years later- could be very detrimental to the company’s finances.


The Risk Manager wondered why the firm didn’t utilize a captive program to take part of the risk of the long term workers compensation liability.

Accordingly, he transferred the long-term workers compensation claims (over $50K and up to $1M) to a captive via deductible reimbursement.


The program has served the firm very well. The wholesaler was able to reduce its’ long-term liability by over 70%.

If you are interested in discussing if this is a solution for your company, please feel free to contact our office at 412-802-2600.  Thank you.

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