Do you take a long-term view of property loss prevention? Are you willing to share some risk? Owning a captive can be a rewarding alternative to risk financing. A big plus: any surplus in the captive can be reinvested. The caveat: resource and administrative costs can be cost-prohibitive.
Not ready for a full commitment to captive ownership? Consider a captive cell. For many, it's an affordable way to enjoy the benefits of a captive without the upfront costs, capital investment or significant maintenance costs associated with forming and managing an owned captive.
FM Global offers captive cell solutions through its wholly owned captives in Vermont and Bermuda.