Tired of Letting the Insurance Market Call the Shots?
Turn Insurance from a Cost Center into a Competitive Advantage
Empowering Businesses to Own Their Insurance Future
At TENT Captive Insurance, we believe the most successful businesses deserve more than rising premiums and unpredictable renewals. Founded by a former business consultant and private equity strategist, TENT exists to help companies take control of their insurance destiny through group captives—so they can stop renting coverage and start building long-term value.
We’re not here to sell traditional insurance. We’re here to guide high-performing businesses through the transition from insurance buyers to insurance owners. With a focus on transparency, performance, and partnership, we equip our clients with the tools and structure to gain stability, reduce costs, and participate in underwriting profits.
Because when you consistently outperform others—your insurance strategy should reflect that.
Traditional Insurance Model
Pay premiums year after year
Hope claims stay low
Watch your money disappear into carrier profits
Group Captive Model
Join other vetted businesses
Share risk, not losses
Control your costs
Get unused premium dollars back
HOW IT WORKS
If you consistently outperform others in your industry—why are you subsidizing their losses?
Title | Traditional Insurance | Group Captive |
|---|---|---|
Premium Control | ❌ None | ✅ Member-Owned |
Underwriting Profit | ❌ Carrier Keeps It | ✅ You Share It |
Peer Alignment | ❌ None | ✅ Vetted Members Only |
Risk Transparency | ❌ No Visibility | ✅ Full Reporting |
Are You a Fit for a Captive?
We typically work with businesses that have:
$200K+ in combined WC, Auto, and GL premiums
You're already spending significantly on insurance—enough to benefit from a more strategic, return-focused approach.
Favorable loss history (low claims frequency/severity)
If your business outperforms in safety and claims management, you shouldn’t be penalized—you should be rewarded.
Proven commitment to safety and compliance
Captives thrive on shared discipline. We work with companies that prioritize workplace safety and regulatory standards.
Stable financials and long-term outlook
We look for businesses with healthy balance sheets and leadership committed to strategic growth—not just short-term fixes.
Frustration with premium volatility
If you're tired of unpredictable renewals and unexplained rate hikes, a group captive can give you the transparency and control you’ve been missing.
Leadership open to collaboration with other top-tier operators
Captives are built on trust and performance. We work with leaders who value alignment and accountability alongside other like-minded businesses.
How We Help You Take Ownership
At TENT Captive Insurance, our process is designed to make your transition from insurance buyer to insurance owner simple and transparent. We begin with a thorough evaluation of your current coverage, premiums, and loss history to determine if your business is a strong candidate for a group captive. If you consistently outperform industry benchmarks, we’ll walk you through exactly how the group captive model works—no jargon, just clear, practical guidance.
Once you’re ready to move forward, we guide you through onboarding and connect you with a vetted group of like-minded business owners who share your commitment to safety and performance. As a captive member, you gain greater visibility, control over your premiums, and the potential to earn back unused premium dollars. It’s insurance ownership, made simple.
Contact Us
Have a question or ready to secure your space? Let’s talk. We’re here to help with personalized solutions and fast, professional service.
Have Questions? Let’s Talk.
We’re here to provide expert guidance, strategic insight, and clear answers about the group captive model. Whether you're new to the concept or already exploring alternatives to traditional insurance, our team will help you understand how TENT can support your business goals.
Send us a message anytime and we’ll respond promptly. No pressure—just honest, helpful support to see if captive insurance is the right fit for you.