Commercial Property

The eCaptiv program integrates a Member-owned variable cost captive insurance structure, including a sponsored captive insurance company with protected cell structures, together with a commercial property and casualty insurer and reinsurer Reciprocal Insurance Exchange, providing an alternative approach to financing insurance risk alongside the traditional insurance market.

PROGRAM SPECIFICATIONS

LIMITS

Up to $10M

Up to $60M with facultative reinsurance.

DEDUCTIBLES

Cat 2-3% per occurance

All Other Perils $25K–$250K

Variable cost structure

Preferred pricing tied to risk management participation, with potential premium returns or assessments based on performance.

Members also become Subscribers of eMaxx Reciprocal Insurance Exchange.

Risk Management Requirements

01

Phone Audit prior to Binding, On-Site Inspections after Binding

03

Highly Protected CAT Property Standards

02

Risk Management Summit Attendance

04

Online Training including eLive Connect