Shared Risk. Enhanced Control. Captive Insurance for Growing Businesses

Group captives are collaborative insurance solutions where multiple businesses pool their resources to gain the advantages of self-insurance. Designed for self-funded organizations that want to manage rising healthcare costs while sharing risk with like-minded partners, ERP’s Group Captives provide both protection and cost control. You’ll benefit from a structured approach to reduce financial exposure and align with a network of companies committed to sustainable health benefits.

Key features include:

• Shared Risk, Reduced Costs: Lower premiums by distributing claims risk across the group.
• Flexible Program Options: Tailored protection based on your business’s needs, with adaptable contract options to match your growth.

This program is ideal for:

• Mid-Sized Employers (25+ employees): Organizations ready to leverage group captive benefits for cost stability while protecting against high-cost claims.
• Industry-Specific Groups: Employers who seek custom risk management that aligns with sector-specific needs and allows greater predictability in healthcare costs.