Captives and Alternative Risk

Cost control, long-term stability, and a share of the profits

Group Captives are an innovative, risk pooling arrangement whereby middle market companies can take advantage of the economies of scale traditionally reserved for larger corporations. Cobbs Allen has significant experience starting captives, placing clients in existing captives, and evaluating captive options.

How it works—All companies are classed in “pools” from the perspective of an insurance carrier. Group Captives seek to pool companies together with other “best in class” companies to form high performing, small insurance companies. The profits from these super-insurance companies are given back to the policy-holders.

The Guideline Process

Better results in risk transfer are the result of better understanding, analysis, and planning throughout the year. Our guideline process drives these results for our clients.

The Cobbs Allen Difference

What makes us different than other agencies? Our partnership is with you, the customer. Most agencies are aligned with only one insurer, giving you limited choices. We maintain relationships with many different insurers so that we can help you find the coverage that fits your unique needs and your budget.

Take the Next Step

Learn more about Group Captives by talking to a Risk Consultant


Cobbs Allen is a national independent agency focused on risk management in niche practice groups. We deliver commercial insurance, employee benefits, personal insurance, and alternative risk financing services to our clients. Headquartered in Birmingham, AL, the firm is ranked in the top 100 of privately held brokerage firms and the top 100 of all U.S. brokerage firms.



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