The Pitch · Slide 07

Leverage.

$2 of coverage for every $1 you spend.

With 2:1 coverage, you can raise your deductibles without raising your risk — and lower your insurance premiums at the same time. Your captive carries half of every claim. You sleep better. You pay less.

Where a $100K claim goes

The breakdown.

Four buckets pay out. One of them is yours.

$100,000 claim Split four ways

10%

50%

10%

30%

Deductible 10%

$10,000

Paid by your operating company — the same way any deductible works today.

Micro-Captive 50%

$50,000

Paid from the captive — the company you own. A low-claim year leaves this money inside the captive to compound.

Administrator 10%

$10,000

Pays the licensed administrator who handles claims and compliance.

Risk Co-Op 30%

$30,000

Paid by the pool of fellow captive owners — spreading risk so no single year wipes out a single captive.

What this means

The $50,000 in the middle is the engine.

That 50% of every claim is paid by your captive — a company you own. In a low-claim year, that money stays inside the captive and keeps growing. Five to ten good years, and the captive becomes the wealth-building piece of your business.

You still get $2 of coverage for every $1 you put in. You just own half of it.