Don’t Pay a Premium. Build an Asset.
Affinity transforms your insurance spend into an investment. Members have the potential to earn back unused loss funds, generate investment income, and build equity in a proven, stable company.
Strength in Shared Ownership
Affinity brings together like-minded companies to gain control, transparency, and long-term stability in their insurance programs.
Our Captive
Affinity Insurance Ltd. is a premier member-owned group captive that gives businesses true control, stability, and transparency over their insurance costs, claims, and coverage. Each member holds equal ownership and governance rights, sharing in both the risks and the rewards. By transforming insurance from a volatile expense into a long-term asset, Affinity empowers companies to manage their future with confidence and build lasting financial strength together.
- Member-Owned and Governed
- Greater Cost Control
- Transparent Performance Insights
- Long-Term Stability
Our Captive
Affinity Insurance Ltd. is a premier member-owned group captive that gives businesses true control, stability, and transparency over their insurance costs, claims, and coverage. Each member holds equal ownership and governance rights, sharing in both the risks and the rewards. By transforming insurance from a volatile expense into a long-term asset, Affinity empowers companies to manage their future with confidence and build lasting financial strength together.
- Member-Owned and Governed
- Greater Cost Control
- Transparent Performance Insights
- Long-Term Stability
Highlights
Highlights
Learn More About Affinity
Learn More About Affinity
Members
Annualized Premiums
Dividends
Benefits of Membership
Ditch the Volatility
Member premiums are no longer tied to the unpredictable traditional market. In Affinity, your business’s performance, not outside cycles, is the primary driver of your long-term insurance cost.
Safety Pays
Member premiums are no longer tied to the unpredictable traditional market. In Affinity, your business’s performance, not outside cycles, is the primary driver of your long-term insurance cost.
Experience True Transparency.
Member premiums are no longer tied to the unpredictable traditional market. In Affinity, your business’s performance, not outside cycles, is the primary driver of your long-term insurance cost.
“In the captive, I know exactly how our premiums are calculated. That transparency lets me estimate future insurance costs with confidence, a huge advantage when we’re bidding multi-year projects.”
CFO
Construction Firm
Group Captive Insurance vs Traditional Insurance
Group Captive Insurance
vs
Traditional Insurance
Group Captive
-
Owning It
Members share ownership and decision-making power. -
Transparent Costs
Premiums reflect your performance, not market swings. -
Shared Rewards
Investment income and profits stay with members. -
Input Encouraged
Have a voice in selecting service partners and participate in the claims process. -
Stability Through Safety
Strong risk management leads to predictable costs.
Traditional Insurance
-
Renting It
The carrier controls decisions and keeps the profits. -
Unpredictable Costs
Premiums shift with industry trends, not results. -
No Shared Returns
Investment income benefits the carrier, not you. -
Limited Input
Claims and services are generally managed without your oversight. -
Market Volatility
Rates rise and fall regardless of your performance.
Group Captive
-
Owning It
Members share ownership and decision-making power. -
Transparent Costs
Premiums reflect your performance, not market swings. -
Shared Rewards
Investment income and profits stay with members. -
Input Encouraged
Have a voice in selecting service partners and participate in the claims process. -
Stability Through Safety
Strong risk management leads to predictable costs.
Traditional Insurance
-
Renting It
The carrier controls decisions and keeps the profits. -
Unpredictable Costs
Premiums shift with industry trends, not results. -
No Shared Returns
Investment income benefits the carrier, not you. -
Limited Input
Claims and services are generally managed without your oversight. -
Market Volatility
Rates rise and fall regardless of your performance.
Learn More About Affinity
Frequently Asked Questions
What are the benefits of joining a Captive Insurance Company?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
Am I putting my company at financial risk by entering a captive?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
What loss control and claims handling service enhancements are provided by the captive that are not normally available in the traditional insurance marketplace?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
How long must the insured remain in the captive to participate in profitability?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
Is there any potential for assessment if the underwriting results do not turn out as planned?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
Is this a rent-a-captive?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.
What coverages are underwritten in the program?
The captive reinsures [the carrier] for Automobile Liability and Physical Damage, Workers’ Compensation, and General Liability including Products and Completed Operations. Property coverage is available for all casualty members through another captive option.