Is Captive Insurance a Worthwhile Investment for Your Clients?

Captive Insurance Calculator

Our Captive Insurance Calculator helps you estimate the investment required for your client to join a captive, potential underwriting profit, and maximum out-of-pocket costs in a high-claims year.

This tool evaluates your client’s current insurance spend and how it could apply within a captive insurance program.

Watch this video first.

What is the Annual Gross Premium of the Business?

Business Auto *

Workers Comp*

General Liability*

Average $ Value of All Claims PER Year for the last 5 Years?

Enter your Average Total Claims*

Get Your Results

The "Big Three" in Captive Insurance

Discover how much your clients could save annually. Scroll down to see the numbers!

Our Captive Insurance Calculator gives you a transparent breakdown of the three key factors: underwriting profit, collateral requirements, and maximum potential premium. This tool is designed for agents to see real data—no fluff—helping you present captives confidently and clearly to your clients.

Talk to a Consultant Retake

Underwriting Profit: $149,113

This is the number every captive owner aims to grow.
In this example, the underwriting profit for the year is $149,113.
With a gross premium of $230,469, your client earned 64.7% of the total premium as underwriting profit.
In other words, they effectively reduced their insurance costs by 64.7%

WE MIGHT HAVE A PROBLEM: If you are seeing this message, the average annual claim amount you entered caused the captive insurance company to lose money. This was due to one of two reasons:
- You accidentally entered the wrong number.
- Your client's claims were actually that high.
If the claims are more than 60% of the total premium yearly, captives may not be the right fit for your client's business.

Collateral: $221,664

Collateral is the financial safeguard captives use to ensure members can cover claims.
In this case, the collateral is 2X A-fund or ($221,664), paid over three years at $74,000 annually.
Consider it a security deposit that earns investment income while held in escrow.

Maximum Possible Premium: $1,480,000

This is the highest premium your client would be responsible for in their worst year.

To reach this, claims would need to exceed their collateral (e.g., frequent small claims under $100,000).
It would need to include a catastrophic event worth more than $300,000.
As a captive owner, your client knows this maximum at the start of every policy year, providing transparency and clarity about potential costs.

Ready to Guide Your Clients into a Captive?

Thank you for using our calculator. Captive insurance offers complete transparency on every dollar spent, and it's crucial that you understand both the advantages and challenges.

Do you have further questions about what the numbers mean for your client’s business? We're here to help. Fill out the form, and we’ll ensure all your questions are answered.

Talk to a Consultant