Skip to main content

As the situation in Ukraine evolves, businesses should be mindful of potential risks to their people, assets, operations, or supply chains in the region and globally. Marsh, as part of the Marsh McLennan family of companies, has created a page with information, tools, and resources related to the Russia-Ukraine conflict. Please visit the page for the latest information.

Captive Solutions

Make self-funding viable, spread your risk, and reduce your claims volatility with a stop loss captive.

Providing competitive employee benefits at a controlled cost is an increasingly difficult task. A stop loss captive is an alternative risk management tool that allows you to gain control of your plan. A captive is different than traditional stop loss coverage because it gives your plan stability by spreading risk across its members, reducing volatility. You can also earn a profit when the captive outperforms expectations.

Benefits of Captive Solutions

The way stop loss captives work is also what makes them so beneficial for employers:


  • A group of employers comes together to spread the risk of their self-funded medical and pharmacy plan through multiple layers of stop loss insurance.
  • Each employer covers their own claims up to a set deductible of their choosing. 
  • Risk is shared or pooled across the captive with catastrophic risks  insured through the carrier.
  • Captive members share in the savings if the claims experience is good.



Marsh McLennan Agency has two proprietary captives.

Each with distinct benefits for employers. Ask your broker if MMA CapAbility Plus or MMA RightPath is right for you.

Captive Solutions Features

Is a captive the right move for you? If you meet the criteria below, it might be time to consider a stop loss captive.


You’re self-insured or considering a move to self-insured.


You’re capable of, and prepared to, make a long-term investment in cost reduction.

Financially Prepared

You have the financial means to take limited risk.

Meet a captive solutions specialist.

Featured Events