Mid-market captives made easy

Win and retain clients

Maintain income and control

Not investigating a captive option, is no longer an option

Captive premiums now represent nearly 25% of the commercial insurance market.

They’re now part of the mainstream, and cannot be overlooked by brokers placing mid-market business.

Captives are now mainstream

What’s needed is a turn‑key mid‑market product

  • A product designed for high-performing mid-market clients. That makes a captive placement as easy for brokers as a conventional deal.

    With everything included:

    — No need for fronting

    — No need for stacking collateral

    — No need for reinsurance

  • One that stacks up for clients – that doesn’t come up short, and is commercially compelling, not just viable.

    That empowers brokers to:

    — Win big new clients

    — Increase retention

    — Maintain control and income.

Single-parent captives are complex and costly

  • 90% of the Fortune 500 own single-parent captives.

    Traditionally, these are a complex business, but one that makes money for everyone involved.

  • Mid-market businesses simply lack the necessary financial clout, and the critical mass of premium.

    So they cannot effectively access the reinsurance market to limit their risk. And fronting and collateral arrangements make captive ownership unviable.

Group captives offer no flexibility or control

  • It’s not possible to retain profit in a group captive. Clients cannot build an asset that can take more risk and make more profit over time.

    Although clients must invest collateral, group captives aren’t an investment that makes a return – they’re a business that saves money.

  • Arguably, they look, operate, and behave much more like a mutual insurance company than they do a captive.

    They dictate risk management practice to clients, and they’re only for casualty coverages, not property.

    And they don’t pay commission to brokers.

Mid-market captives made easy

Win win

Check out the benefits of RE–PAID for clients chevron_right

Simplifying placement

  • No need for fronting

  • No stacking collateral

  • No need for reinsurance

Gaining competitive advantage

  • Win big new clients

  • Increase retention

  • Maintain control and income.

Get in touch

We get it

We know what to do and how to do it.

Launched back in 2019, RE–PAID was the first turn-key US P&C mid-market captive product.

Every year since, I–RE has achieved market recognition as an award finalist and winner.

  • Underwriting solution of the year
    2025 Captive Review US Awards

    E&S Underwriting team of the year
    2024 Insurance Insider US Awards

    Underwriting solution of the year
    2024 Captive Review US Awards

    Underwriting solution of the year
    2023 Captive Review US Awards

    Program launch of the year
    2022 The Insurer Program Manager Awards

    Reinsurance firm of the year
    2021 Captive International US Awards

    Insurance solution of the year
    2020 Captive Review US Captive Awards

    Insurance underwriting team of the year
    2020 Business Insurance US Insurance Awards

    MGA initiative of the year
    2019 Insurance Day London Market Awards

    Innovative ART structure/new risk placement
    2019 Captive Review US Captive Awards