☰Captives come in all shapes and sizes, with few hard and fast rules about how much you need to get started. Depending on the captive structure, lines of risk included, and the loss history of your business, a captive can be viable with as little as $100,000 in premium, or may need well over $1 million before it makes financial sense. Critically, the math tends to work when your loss history shows you manage risk better than your commercial market pricing reflects, and when your losses are predictable enough to plan around. A company with modest premium and excellent losses can outperform a larger one with volatile results. The Captive Simulator can illustrate this dynamic quickly, or you can speak with our team for a read on your specific circumstances.