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SIMPLIFIED CAPTIVE
Captive Benefits.
Without the
Complications.
Nationwide | A+ XV Rated Carrier Paper
HOW IT WORKS
Simple Process. Clear Potential.
A streamlined captive designed to reward strong performance while avoiding the complexity of a traditional captive.
FUND THE MAXIMUM
The Premium and Participation fee are fully funded upfront, establishing the maximum cost. Financing is available.
MANAGE PERFORMANCE
Supported by active risk control and claims management.
SHARE IN THE RESULTS
50%
PROFIT SHARING EQUALING UP TO
OF PREMIUM
36 MONTHS
Returns and calculations can begin as early as 36 months after the close of the contract year.
Streamlined by Design.
NO ASSESSMENTS
NO JOINT & SEVERAL LIABILITY
NO COMMON EFFECTIVE DATE
NO BOARD MEETINGS
LOW EXPENSE STRUCTURE
RISK MANAGEMENT SERVICES
When Performance Matters,
So Does the Support Behind it.
TOP TIER combines specialized risk control, early intervention and experienced claim management to help members reduce losses, improve outcomes, and protect their potential returns.
PROVEN RESULTS
A History of Meaningful Returns.
Established in 2013, TOP TIER has a demonstrated history of delivering significant profit sharing to qualifying members.
50%
EQUAL TO
39%
EQUAL TO
44%
EQUAL TO
OF PREMIUM
OF PREMIUM
OF PREMIUM
Maximum profit sharing achieved in 4 of 9 evaluated contract years for qualifying Top Tier members.
Average profit sharing delivered to qualifying
Top Tier members.
Highest profit sharing delivered historically to qualifying Middle Tier members.
IS IT A FIT?
The Right Profile. Greater Potential.
PREMIUM SIZE:
$100,000–$1.5 million in annual workers’ compensation premium.
CLASSES OF BUSINESS:
Established staffing firms operating in classes such as clerical, light industrial and healthcare.
STRONG LOSS EXPERIENCE:
A history of favorable or improving loss results.
CAPACITY FOR LIMITED RISK:
The financial ability and willingness to fund a defined maximum upfront, with the opportunity to earn profit sharing based on loss performance.
PROACTIVE RISK MANAGEMENT:
A commitment to safety, claims management and continuous improvement.
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