Captives & Self Insurance

When traditional insurance is not the best fit, we offer alternative financial options for risk management

For certain businesses, a combination of insurance and alternative financing solutions such as captives can mitigate the cost of financing risk.

Our goal is always to provide you with efficient and effective solutions.


When exploring your risk financing options, a captive insurance company may be the right solution. A captive can help you manage insurance risks, minimize costs and improve cash flow while accumulating wealth.

Atlas partners with Elevate Captives, one of the most experienced captive managers in the U.S. with significant experience in the formation and management of captive insurance companies and related entities.

We use a systematic process to analyze the need for, and feasibility of, a captive. Should it be a viable option for your company, we are here to help you explore, structure, fund and implement the right solution.

Self Insurance

Often the least expensive of risk financing options, the retention of loss obligations and payments through self insurance can lower cost and improve cash flow.

Should you want to explore this route, Atlas’ risk management and Employee Benefits will work with you to create an optimal blend of risk transfer and risk retention based on your specific situation and needs. We will also assist in navigating compliance requirements under state and federal laws.

Besides developing a risk management alternative for your company, we’ll also guide you through:

  • Feasibility study
  • Capitalization requirements
  • Program design
  • Securing stop-loss coverage where needed
  • Organizational structure
  • Regulation requirements including state approval
  • Claims processes

Ready to take your business further?

Talk to an Expert

© 2020 Atlas Insurance Agency. All Rights Reservered.

Website designed and developed by Wall-to-Wall Studios.

Please note, coverage information contained in this website is for illustration purposes only, is general in nature, does not represent insurance contract provisions and is not meant to take the place of an insurance review. Please read your policy for specific details or contact one of our Atlas Agents for more information.