Helping Brokers Bring Captive Solutions to Qualifying Clients
Your best clients — the ones facing rising rates and being grouped with pools of thousands of unrelated risks — are looking for a way to take control of their insurance program. The Bodega Insurance Program gives you a member-owned group captive solution built exactly for that: underwriting profits return to the client when their loss experience beats expectations, and premiums are calculated to fund their actual expected losses, not a market average.
The Bodega Insurance Program is offered exclusively through Tangram, by invitation — talk to your Tangram contact to find out if your client qualifies.
Program Available for Businesses With:
- Nationwide, annualized workers’ compensation premiums greater than $200,000
- Commitment to loss control and risk management, including active participation by management
- Five-year historical loss ratio of 60% or less
- Privately held organizations, in good financial standing
- Preferred Classes (including, but not limited to): retail/wholesale; light manufacturing; printing/publishing; service and hospitality; property management/habitational; and certain contracting classes
- See restrictions below
Coverages Available
Workers’ compensation
Advantages
- Give your clients ultimate control and ownership of their insurance program
- Let clients share in insurance savings and investment income
- Offer year-over-year premium stability
- Connect clients with other best-in-class businesses in the program
Program Not Available For:
- Staffing & PEOs
- Trucking or livery
- Municipalities
- Nursing homes and home healthcare
- Social service risks (risks with exposure to physical violence issues including group homes, crisis centers, shelters and halfway houses)
- General contractors and/or heavy construction
Next Steps
Contact our team to learn about appointment and program options
Review our application and talk to our team to learn more about our submission process
Learn more about our risk management services
