Some of the emerging uses for captive insurance companies, as Brady Young of Strategic Risk Solutions explains, are enterprise risk coverages for generally uninsurable exposures, customer risks such as warranties and service contracts, healthcare capitation risks involving services that cost more than their legally allowed pricing, and medical stop loss coverage. Although not new types of risk, some other areas of growth include using captives to access the federal terrorism risk pool and to plug holes in exclusions on property policies. Lastly, health systems and hospitals are using their captives to set up onshore risk retention groups to address the expanding needs of hospital-employed physician groups.