ZENITH CAPTIVE SOLUTIONS®
A Captive That Rewards Strong Performance
A different approach to workers' compensation risk.
A Captive Backed by a Workers' Compensation Specialist
Zenith Captive Solutions is built to reward strong performance, support cost stability and preserve financial flexibility, with the in-house expertise behind Zenith's results supporting every participant.
OUTCOME-DRIVEN PERFORMANCE
31%
Average outperformance of the industry on loss ratio over the past 10 years.*
*Industry data: NCCI 2024 Calendar-Accident Year Underwriting Results and WCIRB Actuarial Meeting as of September 30, 2025, weighted by Zenith's premium distribution by state. Zenith data as of December 31, 2025.The Zenith Difference at a Glance
Own Your Results
Share in 100% of the underwriting and investment results of your group captive.
A Fully Integrated Solution
Policyholder services, claims and reinsurance protection, all provided by Zenith Insurance Company.
No Upfront Capital or Collateral
Participate without significant capital commitments or collateral requirements.
Transparency and Partnership
Clear visibility into performance, alongside fellow members focused on long-term success.
Rooted in Agriculture, Built for More
Our captive took root serving agricultural businesses, and that experience shaped the program it is today. Zenith Captive Solutions now offers a captive option for organizations across industries, whether they join a group of similar businesses, a group of well-managed companies from different fields, or form a captive of their own.
Program Overview (PDF)
Agricultural Program Overview (PDF)
Vermont-domiciled onshore captive, with simpler accounting and compliance than offshore alternatives
Integrated claims, underwriting, safety, medical and legal expertise
Flexible structures for qualified organizations, including single-organization captives
Flexible premium payment plans
Easy transition to other Zenith products as business needs change
Minimum premium generally $250,000–$350,000
Safety Resources
Tools and support to help prevent injuries and strengthen safety culture.
Medical & Legal Support
In-house experts working together on complex workers' compensation claims.
Aligned for the Long Term
An integrated model focused on helping participants improve results over time.
The Power of an Integrated Approach
Claims Expertise
Specialized workers' compensation claims professionals focused on better outcomes.
Is It the Right Fit?
The captive works best for financially strong employers seeking a long-term partner and a program that rewards a commitment to safety.
Eligibility varies by state, risk profile, captive structure and group appetite.Annual premium of about $250,000–$350,000 or more
A strong safety culture
A commitment to improving results year over year
A long-term view of the carrier relationship
Explore Whether a Captive Is Right for You
Agents and employers can reach our captive specialist directly to discuss an account and whether a captive structure fits their workers' compensation goals.
Steve Hollinger
Senior Vice President · Large Accounts – Underwriting
(559) 449-4888