Growers Captive Benefits

  • Allows you to recoup a significant percentage of your premium, based on your loss experience
  • Gives members the greatest possible long-term control over the cost and management of their insurance program
  • Lowers your fixed / administrative costs
  • Provides enhanced risk management and claims management
  • Flattens the cyclical nature of traditional insurance (hard / soft markets)
  • Escapes bad risk pools in traditional markets, as good risks flee for alternative risk markets (like captives) and self insurance
  • Earns investment income on your loss fund dollars
  • Underwritten on an individual basis – based on your loss history (vs. your class of business)
  • Allows you to participate in program governance
  • Tailors loss control and claims management to the needs of individual members
  • Service providers are directly accountable to members
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