Captives for Retail | XN Captive

Use Cases

Common Coverage

A captive can be used to insure the risks most important to your business, especially those where the cost of your premium is well above your claims.

Property Damage

Protect against losses from theft, vandalism, natural disasters, fire, flood, wind, and inventory. Fund repairs or reconstruction.

Business Interruption

Insure against loss of income due to unforeseen events.

Liability Coverage

Cover general liability, product liability, environmental liability, cyber, and customer-related risks.

Health & Benefits Stop Loss

Control costs for coverages like disability, life, dental/vision, and medical stop loss that face rising premiums despite good loss ratios

Captive Benefits

Owning your own insurance has major perks:

Financial Stability

Stabilize insurance costs with economics of scale, and build reserves.

Risk Management

Centralize, develop and incentivize proactive risk management strategies.

Operational Impact

Create new profit centers, optimize cash flow, and reduce overall expenses.

Plan

AI, data, and our experts combine to provide an upfront, easy-to-understand assessment, followed by a comprehensive proposal.

Form

We manage all legal, tax, and regulatory processes required for formation and onboarding to streamline the experience.

Manage

Our staff handles the entire administrative burden so that your team can focus less on insurance and more on your growing business.

Beyond

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Our Difference

Captive expertise you can trust.

Clarity

We remove complexity to clarify your risks, options, and potential return.

Intelligence

We deliver the tools and insights to take control of your insurance.

Flexibility

Our world-class experts design and deliver the perfect captive solution.