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Zurich Captives Services

Together, we can build resilience through strong Captive solutions

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Today, more and more companies are exploring the many benefits of including both non-life and life risks in their captive programs. As an industry leader in captive services, Zurich draws on more than 30 years of experience helping our customers realize the benefits of captives. Our services encompass life, non-life and consolidated captive services.

What is a captive?

A captive is a subsidiary set up by its parent company and acts as a direct insurer or reinsurer for that company. The primary purpose of a captive is to reduce the total cost of risk and to enable a company to take better informed risk-taking decisions. There are two major types of captives: single parent and group.

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Spotlight on Captives 2024

Captives have become a key solution in managing difficult to insure risks and provide flexibility and resilience in unstable times. The latest Commercial Risk report Spotlight on Captives 2024 - Managing an uncertain global risk landscape highlights how captives, a long-established risk management tool, support organizations in navigating emerging and future challenges by offering tailored risk management strategies. Experts from Zurich, along with risk managers, consultants, captive owners, brokers and others discuss the creative ways captives are being used to address such varied risks and opportunities as climate change, cyber risk, microinsurance, employee benefits and more.

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We predict a continued expansion in both the usage of captives and the establishment of new domiciles

Adriana Scherzinger

Head of Captives, Zurich Commercial Insurance, Zurich Insurance Company

Adriana Scherzinger

What are the benefits of a captive and how can we support you?

With 290 captive customers and over 570 captive fronting programs, we have the expertise, global setup and processes to help you implement solid captive solutions across borders. As an experienced captive insurance partner, we offer a range of global solutions and network capabilities to help you establish and manage your captives, regardless of whether it is a single-parent, group, agency, cell or program captive.

Cost control

By creating a single, holistic platform for risk management, captives can improve cash flow management and investment returns and offer cost savings. They are a well-established tool to reduce an organization’s total cost of risk.

Better decisions

Captives provide claims insights and transparency. With a consistent overview of exposures and risk information, you can make better informed strategic risk management decisions and optimize the structure of your insurance programs. Our Quantitative Risk Analysis (QRA) will help you find the optimal levels of risk retention and risk transfer.

Broader knowledge

A captive can help you increase awareness and understanding of your risks, in particular regarding governance and compliance issues around the globe. Our unique captive fronting service follows the latest developments and best practice, and we provide reliable captive fronting solutions with a strong focus on international compliance.

Transparency

Consolidating risks into a captive can answer regulatory demands for granularity and transparency of information. With our state-of-the-art global IT infrastructure, we are very well-positioned to provide you with the necessary policy, premium and claims information across your captive programs.

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Commercial Insurance Risk Insights

Learn more about our Captive insights from our Risk Insights Hub

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Learn more about Captives on our Captive Guide.

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Should you have any questions or need further information please reach out to your local Zurich contact or your broker.

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