Workers on a food distribution factory

The team at One80 offers a heterogeneous captive designed to provide its participants with control of their own risk management programs and insurance. By bringing preferred risks together into a shared alternative risk vehicle, the captive can reduce your long-term cost of risk while protecting your resources and profits.

Captive (Non-Construction) Overview

The target classes and typical risks we focus on for this program are:

  • Biotech
  • High-tech
  • Retail chains
  • Grocery stores
  • Printing, graphics or publishing
  • Bottlers and beverage distributors
  • Distributors
  • Telecommunications
  • Warehouse and storage
  • Food and dairy processors
  • Restaurant and fast food chains
  • Light manufacturing (with low hazard products)

The typical qualities we consider are the following:

  • Low severity losses
  • Sound risk management practices
  • In business for more than three years
  • Financially sound
  • Minimum premium of $250k
  • Established safety/loss control programs

The highlighted features of this exclusive program include:

  • Control of your insurance: Greater control of risk management, claim settlements and loss control.
  • Investment income returned to members: Premium paid will be invested with income going back into captive rather than insurance company.
  • Retention of underwriting profit: Underwriting profit is paid out as dividends to members.
  • Stable pricing of insurance: More stable pricing than cyclical market.
  • Direct access to reinsurance markets: Reinsurance can be obtained at a lower cost.
  • Economies of scale: Cost savings or even profits to members.

The available products we have to offer for this program are:

  • Workers Compensation:
    • Part I: Statutory Limits
    • Part II: $1m/$1m/$1m
  • General Liability:
    • Each Occurrence: $1m
    • General Aggregate: $2m
    • Prod/C.O. Aggregate: $1m
  • Auto Liability:
    • Liability: $1m CSL each accident
    • UM/UM: Minimum Statutory
    • PIP/No Fault: Minimum Statutory

    Contact Us For More Info About Our One80 Products

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