Captive Insurance Services Provided By Our Agency

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Explore Captive Insurance as a Smarter Risk Management Strategy

Captive insurance isn't just for large corporations anymore. As your trusted local insurance partner in Arkansas, Sargent Insurance Agency helps businesses of all sizes explore the benefits of forming or joining a captive. Whether you're looking for more control over your insurance program or want to reduce costs, our team is here to guide you with clarity and care.

Captive insurance is an alternative risk management solution where a business creates or joins its own insurance company to cover its specific risks. Instead of buying coverage from a traditional carrier, you take control of your own risk and potentially your own profits.

It’s a powerful option for businesses that:

  • Are frustrated by rising premiums or limited coverage
  • Want more transparency in how claims are managed
  • Prefer to manage risk proactively instead of reactively

Captive insurance offers more than just cost control. When set up properly and backed by the right expertise, it gives you:

  • Greater Customization: Tailor policies to meet your company’s specific risk profile.
  • Cost Savings: Recapture underwriting profits and reduce traditional insurance costs.
  • Improved Cash Flow: Premiums stay within your control and may have tax advantages.
  • Long-Term Stability: Protection against the ups and downs of the commercial insurance market.
  • Claims Control: Handle claims quickly and transparently in line with your values.

While it’s not the right choice for everyone, captive insurance can be a great fit for:

  • Companies with strong loss control programs
  • Businesses paying over $150,000 annually for commercial insurance
  • Organizations in sectors like construction, transportation, healthcare, or manufacturing

At Sargent Insurance Agency, we work closely with you to see if this model makes sense for your goals without pressure or jargon.

  • Feasibility analysis and captive structure design
  • Regulatory guidance and compliance support
  • Ongoing management and performance reviews
  • Access to experienced captive managers and legal teams
  • Claims support and loss prevention consultation

We serve as your partner every step of the way, from concept to execution and beyond.

At Sargent Insurance Agency, we believe you should have every tool available to protect what matters most. Captive insurance may be one of those tools. If it is, we’ll help you use it wisely.

With decades of experience and a deep commitment to businesses in our Arkansas communities, we’re here to simplify the complex and support you at every stage.

Let’s Get Started Together

Protecting your home starts with a conversation. Whether you're building, buying, or just reviewing your current plan, we're happy to help. No pressure. No hassle. Just honest, neighborly advice.

Call us today or request a callback. We’re always just down the road and ready to help you protect what matters most.

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