Protect Your Business, Cut Costs & Unlock Financial Potential.

Imagine if your business could transform costly, self-insured risks into valuable financial assets, reducing tax burdens and creating new revenue streams. With captive insurance, you own your own insurance company, giving you complete control over premiums, claim decisions, and coverage. It’s a customized approach to managing risk and building wealth, designed to protect your assets while cutting costs. Step into a smarter, more secure future with captive insurance.

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Save More, Manage Risk, and Unlock Financial Growth!

Are rising insurance costs cutting into your profits? Discover a smarter way to manage risk and reduce expenses with a Producer Owned Reinsurance Company (PORC). Trusted by top industries, PORCs offer:

Tailored Coverage

From general liability to specialized risks like construction, healthcare, and transportation.

Significant Savings

Cut traditional insurance overhead costs by an impressive 35%-50%, keeping more money in your business.

Improved Cash Flow

Retain premiums, earn consistent investment income, and achieve long-term pricing stability.

Industries such as construction, healthcare, retail, and professional services are already leveraging the powerful advantages of Producer Owned Reinsurance Companies (PORCs) to lower costs, improve cash flow, and take control of their risk management. These businesses have discovered a smarter way to retain profits and customize their coverage. Isn’t it time for you to explore how a PORC could revolutionize your approach to insurance and risk?

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Learn how you can transform your risk management strategy and save big. Fill out the form to receive the full document and take the first step towards smarter insurance solutions today.

FAQs About Producer Owned Reinsurance Companies (PORCs)

What is a Producer Owned Reinsurance Company (PORC)?

A PORC is a reinsurance company owned by a business or group of businesses to manage their insurance risks, reduce costs, and retain underwriting profits.

How does a PORC save my business money?

By cutting out the middleman, a PORC allows you to keep up to 50% of the premiums that would typically go toward insurer overhead and profit.

Who can benefit from a PORC?

Industries such as construction, healthcare, retail, professional services, and more can use PORCs to manage risk, reduce costs, and improve cash flow.

Is setting up a PORC difficult?

No. The setup process is simplified with turnkey solutions, including feasibility studies, legal formation, and ongoing management.

What types of risks can a PORC cover?

A PORC can cover both traditional risks like general liability and auto insurance, as well as specialized risks like construction defects, medical malpractice, or warranty programs.

Can I customize the coverage through a PORC?

Absolutely. PORCs offer flexible underwriting to tailor coverage to the specific needs of your business or industry.

How is a PORC taxed?

PORCs benefit from favorable tax treatment, being taxed only on earned premiums minus expenses, such as claims and reserves.

How does a PORC handle claims?

Claims are managed through a third-party insurance company, ensuring efficient and professional handling while you retain ultimate control.

What kind of investment opportunities are available for PORCs?

Premium dollars can be invested in a wide range of assets, including stocks, bonds, real estate, or private loans, to generate additional income.

Are there long-term contracts required to maintain a PORC?

No. PORCs operate with flexibility and can be dissolved or adjusted at any time with proper notice, providing you with full control over its operations.