Think of the Captive as layered coverage. A group of like-minded, creative employers band together, for example, 15 to 20 employers, in the range of 50-500 employees.
Layer One: They each fund their own claims for their employees (using a third-party administrator to process them) up to an agreed-upon limit, say $20,000. Most claims are at lower dollar amounts, and many employees incur few or no claims at all. Each employer can select a limit that they are comfortable with, so it may vary by employer.
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