Segregated Cell Captives
Alternative risk financing solutions involving protected cell, or segregated cell, captives are designed to provide the client with the benefits associated with a wholly-owned captive insurance company, without the capitalization and administrative requirements.
Segregated cell programs are structured with a single underlying idea: to capture the return of underwriting profit and investment income normally retained by the traditional insurer, as well as provide for a long-term stable insurance solution.
A segregated cell structure is most effective for lines of coverage with frequent and predictable losses that are suitable for self-funding, including: workers compensation, auto liability and general liability.