Discover the Potential of a Captive for Your Business
The Procedant Viability Study (PVS) is our complimentary assessment tool that evaluates whether your business is a strong candidate for a captive insurance solution.
Our Expertise
What Is the PVS?
The PVS analyzes key financial and operational metrics to determine the feasibility and projected performance of a captive strategy for your organization. Based on your input, the system generates a customized report—easy to understand and rich in insights.
What You'll Receive:
01
Viability Report
A clear, data-driven summary that outlines your business’s captive potential, potential benefits, and strategic considerations.
02
Walkthrough Video
A concise video tutorial that explains your report and the broader implications of joining or forming a captive.
03
Next Steps
Recommendations tailored to your business's structure, risks, and goals—empowering you to make informed decisions quickly.
Client Input
Historical Years of Premiums/Losses
Workers' Compensation
| Policy Period | Premium | Total Incurred Losses | Loss Ratio |
|---|---|---|---|
| Est. Renewal: |
$
|
$
|
%
|
|
$
|
$
|
%
|
|
|
$
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$
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%
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$
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$
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%
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$
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$
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%
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$
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$
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%
|
|
|
$
|
$
|
%
|
|
| Total |
$
|
||
| Average |
$
|
General Liability
| Policy Period | Premium | Total Incurred Losses | Loss Ratio |
|---|---|---|---|
| Est. Renewal: |
$
|
$
|
%
|
|
$
|
$
|
%
|
|
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$
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$
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%
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$
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$
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%
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$
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$
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%
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$
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$
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%
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$
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$
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%
|
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| Total |
$
|
||
| Average |
$
|
Automobile (AL & PD)
| Policy Period | Premium | Total Incurred Losses | Loss Ratio |
|---|---|---|---|
| Est. Renewal: |
$
|
$
|
|
|
$
|
$
|
%
|
|
|
$
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$
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%
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|
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$
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$
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%
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$
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$
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%
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$
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$
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%
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|
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$
|
$
|
%
|
|
| Total |
$
|
||
| Average |
$
|
Property
| Policy Period | Premium | Total Incurred Losses | Loss Ratio |
|---|---|---|---|
| Est. Renewal: |
$
|
$
|
|
|
$
|
$
|
%
|
|
|
$
|
$
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%
|
|
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$
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$
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%
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$
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$
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%
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$
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$
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%
|
|
|
$
|
$
|
%
|
|
| Total |
$
|
||
| Average |
$
|
Other (Non-Fronted Enterprise Risks)
| Policy Period | Premium | Total Incurred Losses | Loss Ratio |
|---|---|---|---|
| Est. Renewal: |
$
|
$
|
|
|
$
|
$
|
%
|
|
|
$
|
$
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%
|
|
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$
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$
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%
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$
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$
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%
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$
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$
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%
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|
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$
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$
|
%
|
|
| Total |
$
|
||
| Average |
$
|
Medical Stop Loss
| Policy Period | Premium | Total Incurred Losses | Loss Ratio | |
|---|---|---|---|---|
|
$
|
$
|
%
|
||
|
$
|
$
|
%
|
||
|
$
|
$
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%
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||
|
$
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$
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%
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|
$
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$
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%
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||
|
$
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$
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%
|
||
| Total |
$
|
|||
| Average |
$
|
| Scenario |
|---|
Viability Analysis Using 5 years of Historical Data
Simulated Over 10 Years
Expected
| INCOME | ||||||
| P&C PROGRAMS | ||||||
| Gross P&C Premium |
$
|
$
|
$
|
$
|
$
|
|
| Fronting Fee/TPA |
$
|
$
|
$
|
$
|
$
|
|
| Enterprise Risk Premium |
$
|
$
|
$
|
$
|
$
|
|
| Reinsurance Premium Ceded |
$
|
$
|
$
|
$
|
$
|
|
| Net P&C Premium |
$
|
$
|
$
|
$
|
$
|
|
| HEALTH PROGRAMS | ||||||
| Gross Health Premium - Combined |
$
|
$
|
$
|
$
|
$
|
|
| MedStop Reinsurance Premium |
$
|
$
|
$
|
$
|
$
|
|
| Net Health Premium |
$
|
$
|
$
|
$
|
$
|
|
| Total Net Premium |
$
|
$
|
$
|
$
|
$
|
|
| EXPENSES | ||||||
| P&C Paid & Reserved Losses |
$
|
$
|
$
|
$
|
$
|
|
| Health Paid & Reserved Losses |
$
|
$
|
$
|
$
|
$
|
|
| Program Administration |
$
|
$
|
$
|
$
|
$
|
|
| Total Expenses |
$
|
$
|
$
|
$
|
$
|
|
| Net Underwriting Income |
$
|
$
|
$
|
$
|
$
|
|
| Investment Income |
$
|
$
|
$
|
$
|
$
|
|
| Income Taxes |
$
|
$
|
$
|
$
|
$
|
|
| NET INCOME (LOSS) |
$
|
$
|
$
|
$
|
$
|
|
| Retained Earnings b/fwd |
$
|
$
|
$
|
$
|
||
| Retained Earnings |
$
|
$
|
$
|
$
|
$
|
|
| 5 Year Savings: |
$
|
|||||
| Collateral/Capital |
$
|
$
|
$
|
$
|
$
|
Return on Collateral |
| Loss Ratio |
%
|
%
|
%
|
%
|
%
|
|
| ROI |
%
|
%
|
%
|
%
|
%
|
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Contact Procedant to Unlock Smarter Risk Management
Whether you're just exploring or preparing to take action, the PVS provides a risk-free, no-obligation path to clarity.