InCap Captive

InCap is a health insurance captive — a pool where employers become owner-participants rather than simply premium payers. Bundled services and potential profit distributions are available when the pool performs well, giving larger employers more direct exposure to (and reward for) good claims experience and safety performance.

This structure generally fits larger, more sophisticated construction firms or manufacturers who have outgrown level-funded eligibility, have the risk tolerance for a captive arrangement, and want more control over plan design and claims strategy. Underwriting determines eligibility, funding, and risk-sharing terms, and these must be confirmed at quote time.