We Build Captives, You Book Revenue.

Drive revenue growth, strengthen client relationships, and lean into the future of risk management with our broker-first program.

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Build a Captive For Your Clients

Guide clients into the perfect captive structure for their business

Build a Captive For Your Agency

Take risk in an existing book of business with an agency captive

Our Platform

An online platform that delivers a modern digital experience

A Win For You

Retain clients, protect revenue, and earn commission

A Win For Clients

Solve pain points and optimize for the future

The Right Answers

Our specialty is solving novel and complex challenges

The Right Intentions

Unbiased advice and support without competing interests

How It Works

Every captive is unique, requiring expert guidance and true partnership to achieve its goals.
We invest in our relationship with you by managing every step:

Discover

Strategize

Plan

Implement

Onboard

Execute

Evolve

Strategic Insight

Industry-leading specialists providing clear, definitive solutions for even the most complex challenges

Custom programs perfectly tailored to your risk and growth objectives

Strategic architectures that maximize efficiency, profitability, and adaptability

Digital Innovation

All services are integrated into an online dashboard for total control, with automated workflows and easier access

Monitor metrics, analyze claims, and track exposures, with complete financial oversight of investments and reserves

Automated regulatory filing system with centralized policy management and financial reporting

Upfront Consultations

Discuss captive goals, risks, coverage needs, and relevant considerations, including legal, tax, financing, and regulatory requirements.

Actuarial & Risk Analytics

Advanced risk modeling, feasibility studies, and predictive analytics to support data-driven decision making.

Formation & Structure Advisory

Consultation on formation, domicile selection, cell structures, governance setup, and implementation planning to align with business objectives.

Compliance & Reporting

Management of regulatory filings, annual reports, premium tax returns, and ongoing compliance monitoring with domicile requirements.

Financial Management

Premium billing, claims payment processing, cash management, coordination
of banking relationships, and maintenance of books and records.

Corporate Secretary Services

Scheduling and documenting board meetings, maintaining minutes, managing corporate records, and ensuring corporate governance requirements are met.

Claims Oversight

Monitoring of claims handling, coordinating with TPAs, reviewing loss runs,
ensuring proper claims protocols, and developing risk mitigation strategies.

Actuarial Coordination

Management of annual assessments, loss reserve analysis, premium calculations, and annual actuarial studies as required.

Underwriting Administration

Policy issuance, administration, renewals, exposure analysis, coordination of reinsurance placements, and annual premium calculations.

Vendor Management

Selection and oversight of service providers including auditors, actuaries, investment managers, and claims administrators.

Regulatory Liaison

Representing the captive in communications with regulators, coordinating regulatory examinations, and maintaining domicile relationships.

Financial Reporting

Preparation of quarterly and annual financial statements, management
reports, audit coordination, and tax return information compilation.

Risk Management Support

Ongoing monitoring of program performance, loss prevention coordination,
and risk control program oversight.

XN Captive

Total Clarity

Access a full picture of captive operations and performance to align strategy and gain control

Custom Fit

Tailored captive structures and coverage options that align with your unique needs.

Digital Platform

Easy-to-use online dashboard for tracking performance, automating tasks, accessing insights, and streamlining renewals.

Faster Underwriting

Simplified, transparent processes reduce friction and make it easier to grow.

Flexible Financial Solutions

Bespoke collateral structures, financing options, and premium arrangements to meet needs.

Comprehensive Support

Dedicated collaboration to help brokers identify the right captive solution and educate clients.

Transparent Pricing

Clear and competitive fees with no hidden costs.

Mid-Market Accessible

Designed to accommodate the diverse needs of clients across industries and coverage lines

Fully Independent

We prioritize what’s best for your brokerage and your clients, free of any ownership conflicts.

Traditional Captive Managers

Black Box

Captive details are held or difficult to track, making it harder to assess and control

One-Size-Fits-All

Limited flexibility with pre-set coverage models, captive structures, and underwriting zrequirements.

Antiquated Systems

Disjointed tools, manual processes, and outdated methods make for a frustrating experience and create administrative hassle

Complex Submissions

Lengthy, opaque submission processes delay onboarding and decision-making.

Limited Financial Services

Limited customization, often requiring clients to fit rigid financial frameworks.

Minimal Collaboration

Brokers handle client education without direct support.

Opaque Fees & Markups

Ambiguous cost structures that complicate client conversations.

Enterprise-Focused

Focused on large corporations with extensive resources, with few outside-the-box options

Misaligned Incentives

Broker-owned captive managers may prioritize their own bottom line over your client’s goals.

Businesses with annual insurance premiums of $500,000 or more for a specific policy, seeking greater control over their risk management and insurance costs, are ideal candidates. Other qualifications include companies for which critical exposure coverage options may be limited, novel, or unavailable in the commercial market.

XN helps brokers retain clients and protect revenue by delivering sophisticated, effective captive solutions. XN also supports commission arrangements tailored to each program structure, discussed during initial consultation.

XN partners with businesses across diverse industries, including construction, SaaS, manufacturing, transportation, professional services, healthcare, and franchises—any sector where risk management and cost control are critical to success.

XN specializes in creating a variety of captive structures, including single-parent captives, group captives, series captives, and cell captives, tailored to meet each client’s unique risk profile and financial goals.

No. XN focuses exclusively on captive member-insureds and prospective members. However, if you are interested in gaining access to captive groups, XN can help.

Join Our XN Broker-Agent Network

Partner with XN to build your captive expertise, grow your book, and stand out in the market.
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We Build Captives, You Book Revenue.

What types of clients are best suited for XN’s captive solutions?

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What types of captives does XN create for clients?

Do you provide wholesale or direct access to commercial products?