Alternative Risk + Captives

Innovative alternative risk-management solutions that help brokers and their clients navigate the turbulent health-insurance market.

We are disrupting the traditional captive model to give companies looking to enter the captive insurance space a competitive edge.

As the cost of healthcare skyrockets and proactive health risk management becomes more of a priority for employers, Amwins Group Benefits is prepared with alternative risk-management solutions that help companies attract and retain top talent while navigating the volatile and increasingly complex health insurance market.

We offer unique funding arrangements that allow employers to band together in a captive, or a customized risk-sharing environment, to reap the benefits of self-insurance and capitalize on economies of scale. Employer groups can come together under one umbrella while maintaining the flexibility to choose and fund their own medical and prescription plans, as well as health and wellbeing programs that fit their employees’ needs.

Our solutions also answer employers’ calls for cost containment, featuring integrated programs like patient assistance and dialysis management, in addition to the added administrative cost-savings that comes with self-funded plans.  We deliver a more efficient administrative experience with turnkey custom solutions that capture as much value as possible and return it to the employers, members and their families.


Types of captive programs we provide:


Unique funding arrangement that allow employers from a variety of industries the flexibility of self-funding in a cooperative risk-sharing environment.


Unique funding arrangement that allow industry-specific employers the flexibility of self-funding in a cooperative risk-sharing environment.

Level Funded

Unique funding arrangement that combines the cost savings and flexibility of self-funding with the financial security and predictability of fully insured health plans.


Our alternative risk capabilities include:


  • Program development
  • Program management
  • Premium administration
  • Implementation
  • Claims auditing
  • Underwriting
  • Reporting


We treat your risk and funds as if they are our own.  Our decades of experience in the accident + health industry, combined with our broad network of carrier and reinsurance partner relationships, helps us sort through the complexities of various risk structures. We take great pride in helping employer groups gain and maintain profitability in their captive. 




Get in touch

Interested in learning more but not sure where to start? We make it easy. Simply fill out the form below and one of our relationship managers will personally follow up.



Please select your area of interest



Recent Group Benefits Headlines