Insurance with control

 Savings, Transparency, Honesty! Maximum ROI

Captive Insurance, or what we're calling "insurance communities," have existed for 40 years. We've taken them digital.

Safety over Sales

Currently, agents get paid between 5% and 25% of your premium. Self Insurance allows you to re-allocate money to risk management - reducing claims and paying losses.

Honest Claims

Traditional insurance assumes 5% claims cost is allocated to fraud. Self insurance funds give you a voice in claims settlement and have a better than 95% renewal rate. Build strong relationships and stay together for decades.

Better than Average

Most businesses pay a premium based on an average of high and low risk companies. If you're a high performer, you want to self-insure with other high performers and work together to get even better.

90% of Fortune 1000 companies are members of a captive. What do the CEO’s of Disney, Ford, and Apple know that you don't?
See the facts

System Features

Find Partners

We've made it easy to choose who you partner with. Caploo's insurance system can match you with partners, recommend trusted groups, and provide the tools for you to create your own. You can then see your partners' sign up progress, application status, and launch status.

Monitor Financials

All of your relevant financial information including claims money, incident rates, and projected premium are displayed in the financial dashboard. The dashboard is a transparent scorecard to see how you're fairing and where you can improve.

Apply Simply

We've simplified the application process by establishing trust first and verifying later. If you trust your peers, we trust your peers. Get started faster!

Prevent Claims

When you have financial alignment and the money is in your control, there's an even greater incentive to stay safe. We'll provide tools that help your employees identify issues and resolve them before they become claims.

The History of insurance

51 years in the business.

We are a third generation business that's been in the risk management and insurance industry since 1967. We were one of the first companies to organize municipalities to self-insure in Pennsylvania and New Jersey. From there, we learned how to organize captive insurance companies in the state of Vermont, one of the leading places in the world for self insurance. In 2016, we began development of collaborative employee engagement software. Now, we're bringing together this knowledge and experience to create digital insurance communities.

Insurance Cost Breakdown

Self insurance communities are completely transparent so that you know exactly where your money is going and how your premium is allocated. With the traditional insurance model, premium is bundled into one number, making accountability difficult. Our goal is to focus these premium dollars in a way that helps you sustain a safe organization with consistently low claims.


Launch an insurance community today!

Take back control, become a sustainably safe organization, partner with other high-performing organizations and leaders you respect. Get started with Caploo.