Experts in Insurance You Actually Own.
Why Give Your Insurance Money Away?
Build Your Own Insurance Company and Keep What’s Yours.
Why Rent Insurance… When You Can Own It?
Most companies write big checks to insurance companies every year—and never see that money again, even if they don’t have any claims. At Hendrickson Insurance, we help smart business owners take control by forming captive insurance companies. That means instead of paying big carriers, you keep that money in your own company and use it to cover your own risks. If you don’t have losses, you keep the savings. It’s like being your own insurance boss.
✅ Keep Your Premiums
If you don’t have claims, you keep the profit.
✅ Customize Coverage
Cover what matters most to your business, including hard-to-insure risks.
✅ Better Cash Flow
Improve your financial flexibility and budgeting.
✅ Long-Term Stability
Escape rising premiums and market swings.
✅ Tax-Advantaged Structures
Get potential benefits not available with standard insurance.
Simple Steps. Smarter Insurance.
Evaluate If a Captive Is Right for You
We review your business, premiums, and risks to see if a captive insurance structure makes financial sense.
Design Your Captive Insurance Strategy
We work with expert partners to build a custom plan around your risks, coverage needs, and financial goals.
Set Up and Launch Your Captive
We help form your captive, guide you through regulations, and get your coverage up and running with the right team.
Support, Monitor, and Grow
We stay with you long-term—helping manage the captive, reviewing performance, and adjusting as your business evolves.
Don’t Just Pay Premiums. Own Them.
Instead of handing over your insurance premiums to big carriers every year and never seeing that money again, we help you create your own insurance company—called a captive. That means you pay those same premiums, but into your own company. If you don’t have major claims, the money stays with you—not them.
Own the Risk. Keep the Reward.
For years, businesses have sent millions in premiums to traditional insurance carriers—and gotten little back in return. Captive insurance flips that model. Instead of just paying for coverage, you create your own insurance company, keep the profits when claims are low, and gain more control over how your risks are managed.
Insurance Built for Owners, Not Carriers.
Where Risk Becomes Opportunity.
Keep More. Control More. Sleep Better.
Your Business. Your Money. Your Insurance.
Traditional Insurance Is a Bill. Captives Are a Strategy.
Don’t Just Pay Premiums. Own Them.
Mission
To help business owners take control of their insurance costs and financial future by building custom captive insurance solutions that protect, empower, and reward smart risk management.
Vision
To redefine business insurance by making ownership, transparency, and financial freedom the new standard—one captive at a time.
Values
We believe your money should work for you, not a faceless carrier. Captives return control to where it belongs—with you.
Questions? Good. We Have Real Answers.
What is a captive insurance company, and how is it different from regular insurance?
A captive is your own insurance company—built to cover your business instead of paying premiums to someone else. If you don’t have claims, the money stays with you, not a big insurance carrier.
How do I know if my business is a good fit for a captive?
If your company pays over $250,000 in annual premiums or has $15 million+ in revenue, you may be a great candidate. We’ll walk you through a quick assessment to find out.
What happens if I don’t fit the captive model?
No problem—we can still help. If a captive isn’t the right fit for your business, we can place you with traditional, trusted insurance carriers.
Is a captive insurance company legal and safe?
Yes—captives are regulated, legal, and widely used by large companies and industry leaders. We only work with experienced professionals to ensure everything is set up and managed properly.
Your Captive Insurance Knowledge Center.
Curious About Captive Insurance? Start Here.
If you're reading this, chances are someone has mentioned captive insurance to you—maybe your CPA, your broker, or a business associate. And like most smart business owners, your first thought might have been: "Isn't that just for giant companies?""Isn't that...
Take the First Step Toward Ownership.
Schedule a free call to find out if your business qualifies for a captive. No pressure—just straight answers.