Captive Calculator1

Want to know how much you could be earning by partnering with SeQure?  Wonder what typical collateral requirements may look like?  

Use our new Captive Calculator to see how much more you could earn by partnering with SeQure. Our Captive Calculator also gives you an estimate of the costs to collateralize a SeQure captive.

This calculator is just an approximation of the costs and accumulated profits assicated with participating in a SeQure captive.  We are using market estimates for charges such as reinsurance, fees, and earning potential, which will vary based on coverage line and class of business, to help illustrate how much value can be added by partnering with SeQure.  

The snapshot below takes a look at the ten year value of a sample captive arrangement.  Collateral requirements are usually spread out over a minimum of three years.  If you have any questions, please Contact Us today.

  Annual Premium2 Weighted-Average Commission Weighted-Average Ultimate Loss Ratio3
Workers' Compensation $ 8% %
Professional Liability (E&O) $ 15% %
All Other Property & Casualty $ 15% %
Total $9,500,000 11% 32%

Captive Summary

Desired Risk Participation:4 %

Estimated Collateral Requirement:5 $2,900,000

Projected Value at End of YR 10:6 $11,300,000

Internal Rate of Return:7 16.2%

  1. SUBJECT TO ACTUARIAL REVIEW; based on a 50% quota-share arrangement with front/reinsurer and current market rates for specific and aggregate reinsurance premiums for low to moderate risk exposures
  2. Total annual premium must be at least $3,000,000
  3. Must include IBNR (Incurred But Not Reported), ALAE (Allocated Loss Adjustment Expense) and ALAE IBNR
  4. Represents the percentage of the 50% quota share; must be at least 20%
  5. Estimated maximum exposure paid over three (3) years; release of collateral may start to occur after three (3) years and is subject to loss development and lines of coverage; additional premium (new and renewal) written in excess of the Annual Premium above will require additional collateral, the amount of which will depend on the incremental premium, loss development of previous year(s) and any release of previous year's(s') collateral
  6. Achieved over a 10-year period based on loss development and lines of coverage; does not include commission received on a monthly or other basis or investment income earned on the accumulated value attributed to the captive arrangement.
  7. Based on Estimated Collateral Requirement paid equally over the first three years of the program and Projected Value at the end of year 10.  

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