Take Control of Your Insurance Costs with EIS-Texas
What is a Group Captive Insurance Program?
A Group Captive Insurance Program is an alternative to traditional insurance that allows business owners to pool together with other like-minded companies to form their own insurance company. Instead of paying premiums to a traditional carrier (who profits from underwriting gains), captive members share in both the risks and rewards.
By joining a group captive, your business benefits from:
- Greater control over coverage, claims, and costs
- Profit sharing—returning unused premium dollars back to members
- Improved risk management tools and loss prevention strategies
- Long-term stability in pricing compared to volatile traditional markets
“Group captive insurance programs available for businesses across Texas, including Houston, Dallas, Austin, San Antonio, and Fort Worth.”
Who Should Consider a Group Captive?
Group captive programs are designed for successful, established businesses with:
- Annual insurance premiums of $150,000+ (general liability, auto, workers comp, etc.)
- Strong loss history and safety culture
- Revenues typically $10M and higher
- A desire for more control and transparency in their insurance program
If your Texas-based company is tired of unpredictable rate hikes and limited control, a group captive could be the right fit.
Group Captive vs. Traditional Insurance
When evaluating your options, it’s important to understand how group captives compare to the traditional insurance marketplace.
| Feature | Traditional Insurance | Group Captive Insurance |
|---|---|---|
| Premiums | Paid to carrier, not returned | Members retain underwriting profits |
| Claims Control | Managed by carrier | Member-driven oversight |
| Pricing | Volatile, market-driven | More stable, based on group performance |
| Risk Management | Limited support | Proactive, collaborative programs |
| Long-Term Value | Carrier profits | Member equity & dividends |
Why Texas Businesses Are Choosing Group Captives
Texas businesses across industries—construction, manufacturing, transportation, and service sectors—are finding that captives offer a way to:
- Reduce long-term insurance costs
- Protect against market fluctuations
- Gain a competitive advantage through better claims control
- Align with other high-performing businesses
At EIS-Texas, we specialize in guiding companies through the evaluation process to determine if a group captive is right for them.
“Texas contractors and manufacturers benefit most from captive insurance programs due to the state’s high workers’ compensation costs and competitive commercial markets.”
Is a Group Captive Right for Your Business?
A group captive is not for everyone. But if your business has a proven track record of success and is looking to transform insurance from a cost center into an asset, you may qualify.
Our team at EIS-Texas works with leading captive managers and preferred carriers to build programs that protect what matters most—your people, assets, and future growth.
Ready to Explore Group Captive Insurance?
Schedule a free captive feasibility consultation today with EIS-Texas. Our experts will analyze your business’s risk profile, loss history, and premium structure to help you determine whether a group captive is the right path for you.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page.
Either way we’ll make the process simple!