Group Captives – Property & Casualty Programs

Session Agenda

• Reasons to Consider a Group Captive: Explore why captives offer top-performing employers’ comparable risk-sharing options and cost control programs.

• Key Features: Learn how a captive insurance program can turn your premium dollars into a strategic advantage.

  • Member performance: Explore how claim mitigation and risk management directly influence insurance rates.
  • Investment income and underwriting profits are distributed to members.
  • Experience modification is retained.

• Eligibility Criteria: Discuss what it takes to qualify.

  • Minimum annual premium of $100,000.
  • Strong financials, limited risk, and posted collateral.
  • Active risk and claims policies with effective HR policies.

Speaker

Carrie Marmesh

Managing Director, Garnet Captive Services, LLC

Carrie brings over 20 years of experience in developing and managing group captive programs. As part of the Garnet management team, she helps guide strategic growth and organizational oversight, while leading growth and retention for three captive programs, primarily in California-based groups. She is based in the Bay Area.