The Alternative Markets Division of Great American Insurance Group operates solely through captive partnerships. We employ a risk sharing mechanism through which our captive partners are able to share in the underwriting profit and investment income of the captive allowing additional control of their financial destiny.

PARTNERSHIP
Our operating philosophy is centered on a "partnership" mentality. We recognize the importance of the Agent's role in the risk selection process and involve you in every aspect of our business - from reinsurance purchasing and risk selection to establishing pricing goals and creating product enhancements. We truly work with you as partners, creating a level of agency relationship that is unprecedented.

EXPERTISE
Because we are focused on products and services about which we have significant expertise, our captive team is able to respond with an understanding that permits us to execute transactions with enthusiasm and intelligent clarity. Underwriting, claim administration, loss prevention, premium audit, and collateral management services are all provided with this attitude.

FLEXIBILITY
We pride ourselves on the ability to tailor each captive to your specific needs. As a partner, you may choose to form your own captive or use any number of captive managers in your choice of domicile. Risk sharing is flexible as evidenced in our forward thinking Quota Share model. This model sets us apart from other programs offered in the marketplace today. By acting as a reinsurer, Great American not only participates in the primary layer of coverage, but also provides specific excess reinsurance and stop loss protection to cap your risk position. To further demonstrate our flexible approach, we are also willing to unbundle services, subject to the right criteria, and are able to entertain a broad range of risks. 

STRATEGIC ADVANTAGE
Believing in franchise value, we display an attitude focused on building long-term partnerships with a limited number of agents and strive to offer quality insurance products at competitive prices. The design of our business model is no mistake. Our team of experts work collaboratively to build partnerships that deliver results. We are proud to report that our captives of three years maturity or more average a return on ceded premium of 20%!

Our captive models may not appeal to everyone. We are deliberate in our appointments and seek partners who demonstrate a proven track record of financial stability and are in pursuit of establishing a long-term partnership. If you believe in partnership and want to take control of your agency's future, our model will appeal to you.