the 4 advantages to funding employee benefits in captives

A Risk Manager’s Guide 1 4 2 3 IMPROVED COST SAVINGS Control Employee Benefit Premium Costs Reduce Frictional Costs and Underwriting Savings Capture Investment Returns Improve Cash Flow and Centralize Investment of Reserves Improve Management Reporting and Understanding of Risks IMPROVE RISK MANAGEMENT Manage a Centralized Risk Pool Purchase Stop-Loss Reinsurance to Manage Exposure to Catastrophic Loss Quantify the Financial Benefits of Wellness Initiative and Specific Loss Prevention Programs www.SpringGroup.com twitter.com/SpringsInsight linkedin.com/company/spring-consulting-group-llc © 2013 Spring Consulting Group, LLC. All rights reserved. 4 Advantages to FUNDING EMPLOYEE BENEFITS IN CAPTIVES INCREASE ADMINISTRATIVE CONTROL Design Coverage and Provisions of Benefits Improve Data Management and Loss Cost Management Enable Visibility of Loss Data to Target Program Improvements ENHANCE A PROPERTY & CASUALTY CAPTIVE Increase Reserves and Reduce Dependence on Commercial Markets Improve Spread of Risk; Portfolio Diversity Add Thirdy Party Insurance Business Potentially creating tax-deductible Captive Premiums

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Page 1: The 4 Advantages to Funding Employee Benefits in Captives

A Risk Manager’s Guide

IMPROVED COST SAVINGS

Control Employee Bene�t Premium CostsReduce Frictional Costs and Underwriting SavingsCapture Investment ReturnsImprove Cash Flow and Centralize Investment of ReservesImprove Management Reporting and Understanding of Risks

IMPROVE RISK MANAGEMENTManage a Centralized Risk PoolPurchase Stop-Loss Reinsurance to Manage Exposure to Catastrophic LossQuantify the Financial Bene�ts of Wellness Initiative and Speci�c Loss Prevention Programs

www.SpringGroup.comtwitter.com/SpringsInsightlinkedin.com/company/spring-consulting-group-llc

4 Advantages to FUNDING EMPLOYEE BENEFITS IN CAPTIVES

INCREASE ADMINISTRATIVE CONTROL

Design Coverage and Provisions of Bene�tsImprove Data Management and Loss Cost ManagementEnable Visibility of Loss Data to Target Program Improvements

ENHANCE A PROPERTY & CASUALTY CAPTIVEIncrease Reserves and Reduce Dependence on Commercial MarketsImprove Spread of Risk; Portfolio DiversityAdd Thirdy Party Insurance Business Potentially creating tax-deductible Captive Premiums

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