Clients gain price stability

Turn premiums into profits

Take ownership and control

You’re the client – shouldn’t your insurance offer you more value?

Are you getting a fair deal?

If you think your insurer is either making huge profits out of you, or they’re using your premiums to pay for someone else’s claims. And your premiums keep increasing unpredictably year-on-year.

Then how do you feel? It’s just not right.

Do you deserve more control?

You buy insurance to manage your downside – it’s there to pay for unforeseen losses that could potentially destabilize your business. But you have no real choice but to buy – it’s basically a mandatory purchase.

If you could take the risk yourself, and manage it in a controlled way with limited exposure, would you?

Shouldn’t there be an upside?

Insurance
with price stability

Flexible A-rated coverage,
that works for you

Working with your broker, it’s business as usual. You pay premiums, and you get AM Best A- X (Excellent) policies with flexible coverage and long-term predictability.

 

 

A-rated coverage

Primary limits

Commercial property

Up to $20M

General liability

Up to $5M

Professional liability (for healthcare)

$1M

 

 

Excess market placement

Excess limits

Property

Up to $500M

General liability

Up to $10M

Things are looking up

You back yourself

You make an investment

You invest capital and/or collateral in the form of cash and/or a letter of credit.

Collateral is adjusted annually on a defined formula, linked to premiums and claims. As profits accumulate over time, you can use these.

Your investment vehicle is a captive – a private insurance company you own. Set up and management is easy, everything gets done for you.

And you take your own risk

You are your own reinsurer. Your captive reinsures your own insurance policy and pays your own claims. You can also take a share of the other risks we insure.

But a limited amount – up to $500K per claim, and $2M in total.

And only for a limited time – a built-in 5-year novation agreement removes responsibility to pay claims ceases after 5 years. This provides finality, and a defined exit route.

You control your own downside

You manage your profit and loss

Income

Your captive receives reinsurance premiums – up to 80% of the collateral you invest. It’s funded from the insurance premiums you already pay – there’s no additional premium cost to you.

Costs

Everything’s included, the only costs are management fees, and tax.

Claims

Your claims are handled as you’d expect using third-party administrators and lawyers.

But you get a real voice on how your claims are handled, defended, and settled. And the more you control your losses, the less you will pay out in claims. It’s this independence that delivers the insurance price stability you’ve never been able to achieve before.

You turn your premiums into profits

You earn a return, year-on-year

This real-life example shows the average RE–PAID client captive in 2024. Using actual numbers as at November 2025, it shows the average:

  • collateral investment clients make

  • reinsurance premium their captives receive

  • costs and claims they’re paying

  • annual profit they’re making.

Collateral investment

$453K

Profit and loss

 

Captive premium income

$266K

Less expenses (costs and claims)

$45K

Annual profit (before tax)

$221K

49%

Return