What do you want from your captive insurance partner?

It’s not stale clichés such as “valued added services,” “best practices” or “paradigm shifting”. It’s relying on tried and true business and insurance fundamentals. AIX applies those fundamentals to provide clients an optimal and efficient insurance solution that is designed specifically for each individual program or captive.

Lines of Business Offered

• General Liability
• Workers Compensation
• Property
• Automobile Liability

Key Attributes of our Insurance Structures

• All captives must have some type of homogeneity, either through line of business, class of business, or geographic location. This enables us to target our underwriting and loss prevention as specifically as possible
• Captives sized between $3 million and $25 million in primary premium
• Primary policy limits are typically:
  
  • $1 million for General Liability, Property and Automobile Liability;
  • Statutory limits for Workers Compensation
    
• All ventures must have some sort of risk sharing by the distribution source and/or the insured built into the structure
• Underwriting authority generally remains at the AIX level

Access to Our Controlled Admitted and Non-Admitted Carrier

• Our wholly owned admitted carrier, Nova Casualty (AM BEST A- VII), is licensed in 48 states and has been writing primary business for 25+ years.
• Our wholly owned non-admitted carrier, AIX Specialty, is domiciled in Delaware.

Risk Transfer Mechanisms Supported

• Owned Captive
• Rent-A-Captive
• Segregated Cell Captive
• Risk Retention Group
• We also support traditional first dollar and deductible/SIR programs

Contact Information

Ron Ganiats EVP-Business Development 1-860-683-9890 [E-mail]
Mark Green Chief Risk Officer 1-860-683-9870

OPTIMAL RESULTS ACHIEVED THROUGH:

Underwriting - By looking at specialized books of business, we can hone in on specific and unique underwriting issues, thereby lowering the loss ratio which lowers the all in cost of risk.

Alignment of Interests - By aligning the interests of AIX with those of the distribution source, and/or the insured, we build positive relationships since all parties are working together, rather than apart.

Management Experience - The senior team has written over $3 billion of primary premiums through 250 unique programs and captives over their combined 15 decades of specialty/alternative insurance experience. AIX has a proven track record and the knowledge and contacts to deliver on the firm’s promise of structuring an optimal captive facility.

Custom Design - From the choice of admitted or non admitted paper and risk transfer vehicle to the optimum reinsurance and loss prevention program. AIX tailors the whole of the captive to each client’s individual needs.

IT Platform - The AIX system is internet-based, scalable and real time. This provides a range of cost-saving capabilities that can flow through directly to captive outcomes.

Low Overhead - By locating our operations in low cost regions and negotiating services on your behalf, we strive to lower costs where ever we can.

Elite Clients. Elite Professionals. Your Elite Choice.

The Alta Group offers a complete comliment of captive management, formation and consultancy services for both on-shore and off-shore captive insurance clients. With a choice of jurisdictions and a wealth of experienced professionals, Alta is prepared to meet your alternative risk needs. Captive Structuring, Formation & Management Program Administration & Management Fronting and Reinsurance Placements Underwriting and Policy Issuance Claims Management Regulatory Compliance Financial Management

Visit our website at www.altaholdings.com

Specialty Program and Risk Transfer Alternatives

SPARTA is an acronym for Specialty Program and Risk Transfer Alternatives. SPARTA's vision is to be the premier provider of customized unbundled program solutions. All insurance coverages are issued through SPARTA Insurance Company on a fully admitted basis. The company operates countrywide where authorized in two niche property and casualty insurance segments:

Alternative Risk Transfer Programs ("ART") providing program level risk sharing through captive reinsurance

Specialty Insurance Programs ("Specialty") whereby the risk is fully retained by SPARTA

SPARTA Insurance Holdings, Inc. (SPARTA) was formed in March 2007. In August 2007, SPARTA received regulatory approval from the Massachusetts Insurance Division to acquire a 52 jurisdiction licensed insurance company shell that it renamed SPARTA Insurance Company. Upon approval of the acquisition, SPARTA Insurance Company received an A- (Excellent) rating from A.M. Best.

SPARTA Insurance Company has $255 million of statutory surplus, an A.M. Best financial size category IX.

Targeted Classes and Lines of Business

Programs typically average from $10 to $15 million in annual gross written premium and demonstrate a high degree of homogeneity by: Industry Sector, Territory, or Controlled Production Source. The minimum program premium size is $5 million.

Characteristics of typical target programs include established programs with risks more homogeneous than heterogeneous, in a geographical area more regional than national, with target insureds in industries that present less severe hazards.

Typical classes of business that fall within our underwriting appetite include: Retail, Wholesale, Service, Light Manufacturing, Light/Medium Contracting, Hospitality, Habitational, Transportation

SPARTA has a selective and disciplined underwriting approach exclusively focused on unbundled program business for commercial auto liability and general liability with exposures typically up to $1 million in policy limits, property with exposures up to $5 million per location, and workers compensation with statutorily mandated limits.

Group Captives Knowledge. Experience. Execution. Zurich Group Captives is the market leader in the growing captive marketplace. We are the insurer for three of the industry's top 10 largest policyholder-owned alternative risk facilities, according to Business Insurance. We operate with a holistic, integrated team approach that goes beyond simply offering risk transfer insurance solutions. The Zurich team includes specialists in underwriting, claims, marketing, risk engineering*, actuarial, finance, policy issuance and regulatory compliance. We deliver the intellectual capital and infrastructure required to create solutions that meet the distinctive and complex needs of a group captive. For more information and links to our company website, visit our Captive.com Data Sheet

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