Independent Captive Insurance Management You Can Trust

What is Captive Insurance?

Captive insurance is a proven way for businesses to take greater control of their risk and insurance costs. Put simply, it’s an insurance company you own — designed to protect your business on your terms.

Captives offer more than cost savings. They provide increased transparency, direct access to underwriting data, and the flexibility to design coverage that commercial insurers may not offer. Many businesses use captives as strategic tools to smooth volatility, access reinsurance markets, and improve long-term financial outcomes.

Our Services: From Feasibility to Full Management 

We support every stage of the captive journey:

1. Feasibility Studies – assessing if a captive is right for your business
2. Captive Formation – structuring and licensing your new captive
3. Ongoing Management – compliance, reporting, and day-to-day operations
4. Consulting – independent advice on optimizing existing captives

Why Choose an Independent Captive Manager?

Most captive managers are owned by large brokers. That means their advice may be tied to selling you other services. At USA Risk Group, independence means:

• Objective guidance that puts your goals first
• Flexibility to work across onshore and offshore domiciles
• Consistency from experienced teams who’ve supported clients for decades

Who We Work With 

USA Risk Group works with:

• Brokers seeking a trusted partner for their clients
• CFOs & Risk Managers evaluating captives as an alternative risk strategy 
• Companies ready to take control of their insurance program

No matter your starting point, USA Risk Group makes the captive process clear, practical, and built around your needs.