Captive Insurance Specialists
Reduce your premiums.
Keep the profit.
We move qualifying businesses from traditional insurance into captive structures — reducing unnecessary premium spend, stabilizing renewals, and returning control to where it belongs.
What is captive insurance
Your premiums. Your profits.
Your control.
Your control.
Most business owners have never heard of captive insurance — and their insurer prefers it that way. Here's what it actually is.
01
You join a group captive
Instead of paying premiums to a traditional insurer, you join a group of similar businesses that collectively self-insure. Your risk is shared with operators just like you.
02
Your premiums stay fixed
No more surprise renewals. Captive programs lock in your rates for up to 3 years — so you can budget without dreading your annual renewal.
03
Unused premiums come back
In a traditional policy, your insurer keeps the profit if you don't claim. In a captive, low-claims years mean dividends back to you. You're a partner, not just a policyholder.
Traditional vs captive
Why hospitality businesses
are making the switch
are making the switch
Traditional insurance
—
Premiums increase every year at renewal—
No visibility into how your rate is calculated—
Insurer keeps all profit on low-claims years—
One-size-fits-all coverage for hospitality—
No long-term cost certainty for planningCoast to Coast Risk Holdings
+
Fixed premiums locked in for up to 3 years+
Full transparency on your coverage and costs+
Profit sharing on low-claims years+
Specialist coverage built for hospitality risks+
Meaningful cost reduction for qualifying operatorsWho we are
Operators. Specialists.
Not Brokers.
Not Brokers.
Hospitality Operators
→
Captive Specialists
Every partner at Coast to Coast is a highly seasoned hospitality operator. We are not career insurance professionals. We built our careers running businesses — just like you. The difference is we stopped accepting the status quo and built a solution.
"
We got completely frustrated with the waste, the instability, and the total lack of credit we received for running tight, well-managed operations. Rising premiums every year. Unpredictable renewals. Carriers profiting from our discipline with nothing coming back to us.
— The Partners, Coast to Coast Risk Holdings
So we stopped accepting it.
We built a captive — first for ourselves, then for the operators we believed in. Coast to Coast is our frustration turned into a solution. We are now opening it to operators who are ready.
What is captive insurance
Instead of paying a carrier, your premiums fund a structure shared with operators of very similar risk profiles. Your risk is shared with businesses that run as tightly as yours — and when claims are low, the profit comes back to you.
What we do
We identify qualifying operators, structure and manage their captive program, and stay in the relationship long-term. We are not brokers. We are operators who built this for ourselves and are now extending it to partners we select.
Why choose us
We specifically select captive partners for their ability to maintain low-risk operations. You are a partner — not a policyholder. Selection is intentional and specific to operators who understand how to run a tight operation.
How we did it
We built a captive to fix premiums,
share profits, and give back control.
share profits, and give back control.
Fixed Premiums
We structured a captive that locks in rates — eliminating the annual surprise renewals that made financial planning nearly impossible for well-run operations.
Shared Profits
Low-claims years now generate returns back to the operators who earned them — instead of funding a carrier's margin. Disciplined operations get the financial recognition they deserve.
Control Returned
Final claims authority sits with people who understand operations. Nuisance claims get investigated properly. Decisions are made with context — not just processed and paid out.
Our results
What changed when we stopped accepting it.
This is what we built the captive to solve — for ourselves first, and now for every operator we bring in as a partner.
Less Stress
No more dreading renewal season. No more rate surprises that disrupt financial planning. The structure is stable, predictable, and built to stay that way.
Less Waste
Every premium dollar works for the operation. Our focus is to prevent overpaying and limit unnecessary spending — without reducing the quality or scope of coverage.
More Predictability
Fixed costs. Clear structure. Known returns when performance is strong. A program that finally reflects how well the business is run — and rewards it accordingly.
Real results
What captive restructuring actually delivers
A real engagement — multi-location hospitality group with a 2.3% loss ratio, paying full market premiums with no participation in the profit their discipline was generating.
$269K
Immediate premium reduction — year one of restructuring, before retained profit is counted
$102K
Anticipated retained premium returned to the operator after 24 months
$371K
Total cost reduction combined, delivered to one operator
Case Studies
One client paid $1,293,419 in premiums last year and filed $29,907 in claims. Their insurer kept an estimated $746,143.
Under our structure, that retention comes back to the operator. We reduced their annual premium by $269,194 and delivered $371,617 in total cost reduction.
FAQ
Common questions
What exactly is a captive insurance program?
A captive is a licensed insurance structure where your premiums fund your own coverage — rather than a traditional carrier's. Members retain control over claims decisions and participate in underwriting profit when performance is strong.
How is this different from traditional insurance?
Traditional insurers keep all underwriting profit regardless of your claims history. A captive structure returns that profit to the operator when claims are low — and locks in premiums so renewals are predictable, not reactive.
Who qualifies for the captive program?
We work with multi-location hospitality operators and real estate developers paying $250K or more annually in premiums, with a minimum of 10 years in business and a demonstrated history of low claims. Selection is specific and intentional.
What happens after I submit my program details?
We review your current premiums, exposures, and claims history. We will assess whether a captive structure is the right fit and present our findings directly. If the timing is not right, we will outline what it would take to qualify.
How long does it take to transition into a captive?
Most transitions are timed to your existing policy renewal to avoid any coverage gaps. We manage the entire process — formation, implementation, and ongoing optimization — so the transition is as seamless as possible.
Get started
Find out if you qualify
to become a captive partner.
to become a captive partner.
Submit your current program details and we will assess whether a captive structure is the right fit for your operation.
We respond within 24 hours
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Insurance Services
Liquor Liability Insurance
Coverage for businesses that serve alcohol. Protects you from claims related to intoxicated customers, property damage, or injury.
General Liability Insurance
Covers accidents like slips, falls, or property damage — helping you stay compliant and financially protected.
Event Liability Insurance
One-day or short-term coverage for private events, pop-ups, weddings, and more.
Bars and Taverns
Liquor liability coverage designed for bar owners. Whether you serve beer, wine, or spirits, we help protect you from alcohol-related incidents and claims.
Restaurants and Diners
We provide tailored liability insurance for full-service restaurants and high-volume dining operations. Whether you run a busy independent spot or a growing franchise, we help protect your business from costly risks.
Event Hosts and Caterers
From weddings and festivals to private parties and pop-up dinners, we offer short-term and flexible insurance coverage tailored to event organizers, vendors, and catering companies.