Are you stuck in a rut with your insurance program funding? Too often, brokers only offer one solution—guaranteed cost. While straightforward, it’s often the most expensive way to transfer risk. But there’s a better way: alternative insurance funding strategies.
At Kapnick, we go beyond the standard options. We analyze your premiums, losses, and data from the past 3-5 years. Using this information, we explore alternative strategies like:
- Deductible Plans
- Self-Insured Retention
- Group Captive
- Retrospective Plans
- Self-Funded Solutions
Why Consider Alternative Insurance Funding Strategies?
These strategies empower you to take control of your finances. Our clients often see increased financial security and significant cost savings, averaging 20%.
Case Study: Real Savings with Alternative Insurance Funding
One Kapnick client, a best-in-class contractor, averaged $600,000 annually for casualty insurance premiums, including general liability, workers’ compensation, and auto. Despite their excellent loss history and safety programs, they couldn’t reduce costs further in the fully insured marketplace.
Kapnick’s analysis revealed that an alternative risk program could cut their insurance costs by 50%. This resulted in $300,000 in annual dividends back to the client.
Break free from the constraints of guaranteed cost programs. Discover smarter, more efficient ways to fund your insurance program with alternative insurance funding strategies.
Reach out to learn more at or 888.263.4656.
