Business insurance
Captive Insurance Management
More control over how your business is insured.
What it is
A captive is an insurance company owned by the businesses it insures. For the right organization it can offer more control over coverage, claims and costs.
Every policy is different, and exact coverage depends on the insurance company and the options you choose. We’ll walk you through the details before you buy.
What we can help you cover
- Feasibility review to see whether a captive fits
- Potential for lower long-term insurance costs
- Coverage designed around your own loss history
- Ongoing management and support
Quick quote
Start your quick quote
Answer a few questions in our business (general liability) quick quote form. A Shadow Lake advisor reviews every request and follows up with you.
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FAQ
Frequently asked questions
What does Captive Insurance Management typically cover?
A captive is an insurance company owned by the businesses it insures. For the right organization it can offer more control over coverage, claims and costs. Exact limits, deductibles and exclusions depend on the policy and the insurance company, so we review the details with you before you buy.
Do you only insure people in Raleigh or North Carolina?
Our office is in North Raleigh, and we work with neighbors across the Triangle every day. As an independent agency we also help clients nationwide when we have markets that fit.
How do I get a quote for captive insurance management coverage?
Start the quick quote form on this page, call or text our office, or request a quote online. An advisor reviews every request and follows up — usually within one business day.
Will you compare more than one insurance company?
Yes. Shadow Lake is an independent agency, so we shop multiple top-rated carriers for you instead of selling a single brand. Availability depends on the coverage, your location and underwriting.
Do small businesses in North Carolina need workers’ compensation?
North Carolina generally requires workers’ compensation once you have three or more employees, with some exceptions. Rules vary by business type — ask us if you’re unsure how they apply to you.
What’s the difference between general liability and a BOP?
General liability focuses on third-party injury and property-damage claims. A business owners policy (BOP) often packages liability with business property. We’ll help you see which structure fits.
Captive Insurance Management near you
Our office is on Six Forks Road in North Raleigh, and we help households and businesses across the Triangle and nationwide.