Stability &
Control
Greater control of your insurance
budget through premium
stabilization
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Committed To Helping
You Achieve Your
Insurance Goals
Each Captive owner becomes a
Director of the Company allowing
for maximum input into insurance
company operation
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Control Your
Insurance Destiny
Investment income from each
owner’s distinct loss fund and
potential profits accrue directly to
that owner’s bottom line
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Captive Advantage

Advantages

  • The standard market incurs many expenses not related to individual clients, it is inefficient, and the buyers have to pay for that inefficiency. Captive companies have a lower fixed cost (“expense ratio”).
  • The standard market automatically retains investment income on what is essentially their policyholder’s money. Captive owners hold their own loss funds and premiums on which they earn investment income.
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History & Mission

Navigator Casualty Ltd. (Navigator) was created to meet the needs of businesses to obtain insurance coverage at affordable rates. The founders of the Company perceived that the commercial insurance industry was not responsive to this basic commercial necessity.

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Responsibilities

The Company is licensed and managed in the Cayman Islands to reinsure risks from the issuing insurance company, which is licensed and provides coverage in the United States. The types of coverage underwritten by Navigator are Workers’ Compensation, Automobile, and General Liability.

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Questions?