If you are a business owner, then you know that having the right insurance is important. Everything from your equipment to the product to your employees must have coverage. The expenses involved can be high, but there are ways for you to save money while also providing for your insurance needs.


A deductible reimbursement policy allows your company to capitalize on underwriting and investment income while reducing your insurance premiums. Instead of paying your insurance company a high premium in return for a low deductible, your company will pay a smaller premium and take on some of the risks. The policy covers requirements such as paid loss reimbursement and collateral.


The policy can be used with a variety of insurance types and is typically used with captive solutions. Depending on the industry and size of your company, coverage can range from thousands to millions of dollars. Benefits can include:

  • Investment and underwriting income
  • Reducing third-party expenses
  • Controlling the cost of risks

Exerting control over your insurance costs can allow you to redirect money to other areas of the business and focus on growth. It is impossible to eliminate the risks of an insurance claim. However, if you have a good claims history, a deductible reimbursement policy is a good solution for your company.

By Roy