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Exclusively for Independent Agents

It's always your client, never ours.

We partner with independent agents to bring captives to their commercial clients, with the programs, tools, and training to do it well. Your clients stay yours.

A quick hello from Warren

What we do

We partner with independent agents to offer captives with confidence.

We're not a carrier and we're not a broker competing for your accounts. We're the team behind the scenes that gives you the captive access, tools, and training to bring captives to your best clients, and we stay out of your client relationships entirely.

Talk about captives with confidence

Training, scripts, and materials that take the mystery out of captive insurance conversations with your clients.

Submit clients to our captive programs

Multiple captive solutions for P&C and health benefits. Submit through your portal in minutes.

It's always your client

Guaranteed in writing. We work behind the scenes; you stay front and center. No BOR transfers, no competing for your accounts.
Our Captives

Four captive programs, built for independent agents.

P&C, health benefits, and (soon) transportation & Oil & Gas. All exclusive to independent agents. All structured so it's always your client.
Most Popular
Accepting Submissions
ASCEND
P&C Group Captive
Workers comp, general liability, and auto liability in an A/B structure. Built for well-run middle market operations whose loss experience is better than what the standard market charges them for.
Right Fit Checklist
$250,000 or more in combined WC, GL, and auto premium
Loss history better than the class average, with loss runs to prove it
Ready for a $40,000 participation fee and a $500,000 captive retention
A multi-line account, not one line shopped on its own
Underground mining, federal exposures, longshore, explosives, or petrochemical
Accepting Submissions
ELITE
Employee Benefits Captive
A self-funded health plan where employers pool stop-loss risk together. Members see their own claims data, control their own plan design, and share in the upside of a healthy workforce.
Right fit checklist
25 or more enrolled employees
Comfortable with a $25,000 minimum specific deductible
Wants to see claims data and cost drivers, not just a renewal number
Willing to move to a pharmacy carve-out
High utilization workforce with the claims history to match
Coming Soon
Transportation Captive
P&C Group Captive
Auto liability keeps climbing, and well-run fleets are paying for the industry's worst losses. This captive is being built for transportation operations that invest in safety and want their own experience to count for something.
Right Fit checklist
Fleets with a real safety program, not just a policy binder
Telematics in use, or willing to put it in
Loss history better than what the market is charging them for
Operations still working through recent large verdicts
Coming Soon
Oil & Gas
P&C Group Captive

ASCEND excludes petrochemical exposures, so this is being built to serve the energy service operations that the standard market prices with a broad brush.

Right Fit checklist
Service and support operations, not exploration risk
Documented safety and training practices
Multi-line accounts, not a single hard-to-place policy
ccounts looking for a one-year price fix
Live Webinar

The Captive Insurance Dilemma

1 hour · Free · Independent Agents

Protect your book from the captive threat.

While everyone is watching market cycles and carrier updates, a quieter threat is working its way into your best accounts: captives that cut the agent out. Your clients find the pitch attractive, and captive consultants know how to use that. In this hour I will show you why the pitch lands, the timing mistakes that cost agents the account, and how to bring an agent-centric captive to the table so you keep control of the relationship.

Register Today
Runs regularly. Pick a date that works on the next page.
Tools and Resources

Built to help you sell captives

Free resources, education, and tools you can use directly or share with clients.
Most Popular

Captive Pricing Calculator

Run real captive numbers for any client in minutes. See if a captive makes sense before the conversation starts.


Run the numbers →

Captive Savings Assessment

This assessment evaluates your client’s current risk management practices and safety protocols, key indicators of potential savings with a captive insurance program.

Give it a try →

Free Captive Guides

5 Things You Must Know
Before You Lose Your Best Client to a Captive. Plus more practical guides in our growing library — all free.
Browse the guides →
One on One

Book a call with our team

Bring a real account. One of our captive consultants will tell you straight whether it fits, and if it does not, why.
Book a Call
Fifteen minutes with a real person on our captive team.
What we cover
Whether the account actually qualifies
What the numbers would look like
How to open the conversation with your client
What happens if the client says no
Our Promise

Five Rules That Protect You.

Captive Coalition was built to do one thing: protect your clients and your revenue — at all costs. Our Five Rules exist because too many agents have been cut out, burned, or blindsided — and we won't let it happen again.

Rule 01

We Work Exclusively with Independent Agents

Our program is built for independent agents only, no direct writers, no captive channels.

Rule 02

No BOR Transfers

We will never initiate or accept a broker of record transfer on any of your clients. Period.

Rule 03

Businesses Must Be Represented by Independent Agents

Every business in our captive must come through an independent agent, no exceptions.

Rule 04

We Don't Compete with Agents

We are not an agency. We don't sell direct, we don't prospect your accounts, and we don't compete with you, ever.

Get Started Today

Ready to Protect Your Best Clients?