2025: CA Workers’ Comp Market Hardening!
CA WCIRB is asking for an 11.2% “rate increase” effective 9/1/25
Increasing losses over the last several years are foreshadowing a hard workers’ compensation market. This could result in large premium increases.
The solution for many companies could be a “Group Captive”. In this scenario, you the employer can take control of your workers’ comp program.
Experience
Our Exclusive Workers’ Comp Captive Group has been in business since 1988! We are one of the longest running Group Captives in CA history. Our Loss Ratios are 20% to 50% better than CA State results year in and year and year out!
Competitive Pricing
We are able to offer not only competitive rates, but the opportunity to receive both Policyholder and Shareholder Dividends! Minimum Premium is $100,000 and we can write in most any State.
Take Control
Take “ultimate control” of your workers’ comp program by joining one of the longest running workers’ comp captives in CA history! We hire our own Claims Adjusters and Defense Attorneys who work for you, not an insurance company!
New Member Openings in our Exclusive Workers’ Comp Captive Program are now Available for a Limited Time!
If you would like to have control of your own program instead of the insurance company controlling you, the time is now! Our Members receive the highest level of services in the industry from very experienced professionals. This keeps your Experience Mod down and your premiums as low as possible. We also offer the opportunity for Dividends!
We are known as the “California Captive Insurance Experts”
We are independently owned and operated since 2002. We specialize in Captive Insurance, Group Self Insurance, Workers’ Compensation and much more! Contact us today to see how we can help you minimize losses, manage claims and reduce premiums.
Here are just some of the advantages of our Program:
Educational Meetings
Exclusive Member Meetings are held three times a year to educate our clients with top industry speakers including: Our Workers’ Comp Defense Panel, Employment Law Experts, our Claims Adjuster Team, Claims Consultant and our Head of Loss Control. We keep our members up to date on all important workers’ comp news. Through our education, training, and exclusive services, we can minimize your losses and reduce your net premiums.
Claims Management
Our Claims Adjusters work for you, not an insurance carrier. Our Claims Consultant is our “gate keeper”. Any significant reserve increases have to be approved by our Consultant, who also negotiates reserves, gives our adjusters direction, and acts as your liaison attending all claim reviews and providing expert advice.
Customized Loss Control
Our Head of Loss Control with over 30+ years of experience will review and revise your Safety Program to fit your individual needs and help minimize losses. Regular service visits and training programs keep you up to speed.
Exclusive Worker’s Comp Captive Since 1988
This workers’ comp Captive Program is exclusive to United Captive Insurance Brokers and not offered anywhere else. We give you the ability to reduce your Experience Rating, Lower your Premiums, and the opportunity to receive Policyholder and Shareholder Dividends. Through education and the highest level of services we can reduce your net cost of insurance. We have proven this over a period of more than 35+ years!
