ARU writes primary casualty and property programs through member-owned group captive insurance companies. The programs are all written in partnership with A.M. Best A or A+ rated insurance companies.

A company is eligible for consideration if:
  • It pays between $250,000 – $3,000,000 in premium for primary casualty insurance.
  • It has a history of being profitable for their current insurance company.
  • It has good safety practices, management, and solid financial condition.
  • It is in the following industries: food-related/agribusiness, manufacturing, commercial construction, service industry, distribution, or Canadian-domiciled trucking.

To evaluate whether or not a company is eligible, we require the following Premium, Loss & Exposure worksheet to be completed. The worksheet asks for the current and five prior years of data and should be completed using currently valued loss data from the insurance carrier.

(Click here to view Sample 5 Year Loss & Exposure Worksheet)

In addition to the worksheet, we will need the URL address of the company Website or a good description of operations – that’s it!  ARU staff will work closely with you to quickly evaluate the opportunity.

ARU also develops new group captive and alternative risk programs for many different applications. It may be for a certain line of business, specialty class of business, or a select distribution system or group. Almost any business that needs insurance and would consider an alternative approach to financing risk is of interest to ARU.