Captives

A captive is an insurance company whose primary objective is to insure the business activities of its (non-insurance) parent company.
It is a Risk Financing strategy to lower the cost of insuring Risk by taking it on by the captive rather than cover it via the normal external insurance method.

The network can have the captive's pool dividends returned to the captive, or in case of a loss free pool, the captive takes on the risk of possible losses.
Where legally possible, the Employee Benefits premiums can be ceded to the captive.