Our Program


The Growers Captive Group is a captive insurance company created to provide a workers’ compensation alternative for business owners engaged in the agricultural industry.

The members of the captive have successfully created a program where the members take control of their workers’ compensation insurance. By owning your own insurance company, you tailor your risk management to your needs not an insurance company's needs. This is accomplished by working directly with your claims adjusters, defense attorney, and other service providers to strategize the handling of claims, to minimize the cost of workers’ compensation to your business from day one. The benefits to having your own captive are:

  • Increase profitability. 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)
  • Allows you to avoid being assigned to risk pools in traditional markets, as good risks flee for alternative risk solutions such as 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

The Growers Captive Group gives you control of your own insurance and risk management program. Together we can drive down claims and costs, and turn your insurance program into a profit center.

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