With the cost of coverage and benefits rising, businesses need to eliminate the inefficiencies
of traditional insurance.

For over 50 years, large corporations have used alternative risk transfer strategies to reduce insurance costs, improve risk management, and save taxes. If you continually pay out more in premium then the insurance company has paid in claims, then a Captive may be the solution you need.

A Captive allows you to benefit from your excellent loss history, and recover the investment income and underwriting profits normally enjoyed by the insurance carrier. You will enjoy the same benefits that Fortune 500 companies have had for decades.

By joining a Captive, you can retain substantial profits and the funds held to pay losses can be converted into tax-deductible premiums, both of which can be distributed to its owners. There are Captive programs for Property, Casualty, Workers Compensation and Group Health insurance.

Always on the cutting edge of Cost Reduction Solutions, Howard Alper created a successful captive in 1994 which dramatically reduced the cost of insurance for businesses who always focused on being best in class.

Alper Services provides the knowledge and expertise to help your business form or join the RIGHT captive structure, so you can enhance your coverage and minimize costs. We look forward to investigating this alternative for your firm.

For more information on Captive Insurance Programs, please call Gregg M. Elstien, ARM, CIC at 312.867.7316
or email at GElstien@AlperServices.com.