Garnet Captive focuses on two captive program structures:

Single Parent Captive Programs
Employers paying in excess of $1,000,000 in premium for a single line of coverage are often large enough to consider a single parent captive program. A single parent captive program is suitable for employers with better than average loss experience that wish to retain a significant portion of the risk associated with their exposure. In return, the employers can achieve lower insurance costs and a more stable insurance program.

Group Captive Programs
Employers paying less than $1,000,000 in premium for a single line of coverage often lack the predictability required to consider a single parent captive program. A group captive program achieves predictability by pooling together multiple like minded mid-size employers. This structure can give the mid-size employer the benefits of a captive, while still minimizing their exposure to the other members in the group captive program.

Garnet Captive has existing captive programs under management that are open to new employers and both forms and manages new group captive programs.