| Today, more and more medium to large companies are exploring the benefits of Alternative Risk Transfer (ART) including Captive Insurance Programs for Workers' Compensation, General Liability, Auto Liability, Property Lines and Employee Benefits services. HT&R has been extremely successful in assisting clients who are ready to assume risk, gain more control of their exposures, and reap the rewards of their investments.
The Industry Challenge
Many companies can no longer afford the premiums in the present market. These firms also desire greater control over their exposure to risk. Workers' Compensation premiums in some states are straining companies' financial resources to a breaking point. Smaller companies are having a hard time finding coverage. Businesses that are open to the benefits of ART are finding it difficult to locate qualified brokers with the expertise to set up and manage programs. Fortunately, there are some alternatives.
The HT&R Solution
Few insurance brokers can provide the extent and quality of HT&R's personalized service, along with a full spectrum of insurance and risk management products and services. Our dedication to service gives you 24-hour access to your assigned specialist and immediate response to your needs and questions. This combination of benefits makes us unique in the industry.
An ART program set up by HT&R gives our clients the opportunity to improve cash flow by minimizing up-front money, control or transfer of risk and benefit from investment income.
Programs offered by HT&R:
» Workers' Compensation Deductible Policies
» Retrospective Rated Policies
» Rent-A-Captives
» Group and Association Captives |
» Single Parent Captives
» Group Self-Insurance
» Self-Funded Employee Benefits |
Captive Specialists:
HT&R has built an impressive track record in managing and consulting with Group Captive (member owned) insurance companies. We have access to America's top captive managers, who work with us to find you the right group or association, or to help you set up your own insurance company. We provide the support, on-going consultation, assistance with your state filings, and overall management of your claims and account. Entrepreneurial companies whose premiums run between $200,000 and $5,000,000 with a better-than-average loss experience are finding these programs extremely beneficial and cost- saving.
The professionals at HT&R can help you fill your needs and achieve your goals regardless of the type of new, association, existing and or association captive, or existing captive you require. |
