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Our Story:

Why Captive Coalition Was Created

It Started with a $300,000 Loss

A few years ago, I lost a client worth $300,000 in annual premium.

Not because of service. Not because of price. Not because of claims.

I lost them because another agent offered something I hadn’t even considered: a captive.

That loss hit hard. I had done everything right—but it still wasn’t enough. And I realized I wasn’t alone. Independent agents all over the country were working hard, playing by the rules, and still losing their best clients to brokers who were offering something different.

That moment changed everything for me. It sparked a mission.

Captive Coalition Was Built for Agents. Not Carriers. Not Corporations. Agents.

Traditional insurance is set up to keep agents scrambling: chasing quotes, defending renewals, hoping carriers don’t walk away from accounts.

Captives offer a better way—but too often, they come with hidden B.O.R. transfers, confusing processes, or direct-to-business marketing that cuts agents out.

We started Captive Coalition to fix that.

We wanted a platform that would:

  • Give agents direct access to group captive opportunities for their clients
  • Provide a clear, supportive submission process
  • Offer training and tools that don’t just educate—they convert
  • Keep the agent at the center of every deal, no matter what

We’re not here to be just another captive manager. We’re here to be the partner you didn’t know you were missing.

Our Promise to Independent Agents

We operate by five simple but powerful rules:

1step

We Only Work with Independent Agents.

2step

No B.O.R. Transfers–With Some Exceptions

3step

Businesses Must Be Represented by Agents

4step

We Don’t Compete with Agents

5step

It’s Always Your Client

Learn More About Our 5 Rules

Why It Matters

The big brokers are already offering captives. They have the tools, the programs, and the language to pitch them. If you’re not, your clients are vulnerable—even the loyal ones. Captive Coalition exists to change that. We’re helping independent agents protect their books, win better clients, and stay ahead of the curve.

Join us. Your future is too valuable to leave to chance.
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