STOP LOSS GROUP CAPTIVES

UNIQUE SOLUTIONS FOR SMALL TO MID-SIZED EMPLOYERS

Crumdale Partners’ group captive program allows small to medium sized businesses to self-fund their employee healthcare benefits in the same way the largest employers do.

The Challenge for Employers

  • Historically, small to medium sized businesses (SMBs) have had fewer options to manage rising healthcare costs compared to large employers.
  • They typically lack the size and scale to adopt a self-funded model independently.

The Stop Loss Group Captive SOLUTION

  • This strategy has emerged as a viable means for SMBs to manage employee healthcare expenses.
  • It offers a way for SMBs to take control of these costs through collective risk management.

THE CAPTIVE VALUE PROPOSITION

Group Stop Loss Captives Offer:

  • Long term STABILITY over healthcare costs
  • TRANSPARENCY into claims costs and premium drivers
  • CONTROL into claims costs and premium drivers

  • CUSTOMIZATION of health plans that fit the employer
  • Employers retain what they don’t spend and have an opportunity for RETURNS

There are three layers in the employee benefits captive group

LEVEL 1: EMPLOYER SELF-FUNDED LAYER

MINE

Funds that each member employer retains to pay smaller, more predictable claims.

LEVEL 2: CAPTIVE LAYER

OURS

Risk above the employer self-funded layer is transferred to the captive layer designed to spread risk across a larger, cleaner pool while providing an opportunity to capture a return on premium. The captive layer enables stability and protection from large rate increases.

LEVEL 3: REINSURANCE LAYER

THEIRS

Protects the member self-funded layer and the captive layer from unknown catastrophic loss.