Turn Your Captive Into a Profit Center
Most captives are designed to finance internal risk.
FairShare allows you to unlock something more powerful — predictable, low-volatility, third-party premium generated from supplemental and voluntary insurance programs.
We empower employers, property managers, energy companies, schools, associations, and organizations to reinsure low-risk, employee- or member-paid programs through their captive — transforming it into a reliable revenue-generating asset.
Your captive earns the underwriting profits.
FairShare manages the details.
A New Approach to Reinsuring Voluntary and Supplemental Insurance
Traditional captives focus primarily on internal operational risk. FairShare opens the door to a new stream of third-party premium — without adding operational burden and with strong underwriting characteristics.
Our programs are:
- 100% policyholder-paid
- Designed for predictable, low-volatility performance
- Structured to produce average underwriting profits of 15–20%
- Built to require no additional capital investment
- Turnkey and easy to implement
Claims are typically low severity, high frequency, and unrelated to your core business risks — making them ideal for captive participation and diversification.
Strategic Benefits of Reinsuring Through Your Captive
Reinsuring FairShare’s supplemental programs through your captive delivers measurable financial and strategic advantages:
- Predictable, low-volatility risk profile
- New source of third-party revenue
- Diversified, non-correlated risk
- Enhanced ROI on existing captive infrastructure
- Potential tax advantages from third-party premium
- Improved retention and satisfaction for employees, tenants, customers, franchisees, contractors, students, or association members
Instead of limiting your captive to internal loss financing, you create a structured, revenue-producing vehicle supported by stable underwriting characteristics.
Comprehensive, Customizable Product Suite
We offer a fully customizable menu of low-limit, high-frequency, third-party coverages tailored to your population.
Available programs include:
- Employee Benefits
- Pre-Paid Legal
- Travel Insurance
- Pet Insurance
- Road Hazard Protection
- Home Warranty Programs
- Electronic Device & Cell Phone Protection
- Identity Theft Protection
- Limited Medical & Gap Coverage
- And more
All programs are designed for minimal effort and minimal risk.
We Handle the Heavy Lifting
FairShare partners with top A-rated carriers and provides everything required to design, launch, and support a successful reinsurance program through your captive.
Our turnkey services include:
- Program design and implementation
- Regulatory and compliance support
- Actuarial analysis and business plan updates
- Premium collection and claims servicing
- Reporting and audit-ready financials
- Legal support
- Marketing and communications support (mail, email, digital, live agents)
You gain the underwriting results.
We manage the administration.
A Reliable, Revenue-Generating Asset
FairShare transforms low-risk, supplemental insurance programs into predictable underwriting profit for your captive.
