Reduce Commercial Insurance Premiums By Up To 50%

Specifically designed to help small to middle-market businesses, this new program helps open the door to captive ownership for companies that would otherwise not be capable of replacing their existing commercial insurance through a captive insurance program.  Through the CICS Bundled Captive Insurance Program client-focused brokers now have access to a new market for their well-managed clients, even if they are in hard to place classes. 

Policies and certificates of insurance are issued by an A+ rated carrier who also provides integrated reinsurance, protecting the captive insurance company and business owner from catastrophic loss.  CICS Bundled Captive Insurance Program participants are able to form a wholly-owned captive insurance company and reinsure up to 50% of their current premiums all without sacrificing coverage.

As the captive is owned 100% by the insured they also retain 100% of the underwriting profit significantly reducing the net cost of the businesses’ insurance program.

Specifically designed to help small to middle-market businesses, this new program helps open the door to captive ownership for companies that would otherwise not be capable of replacing their existing commercial insurance through a captive insurance program.  Through the CICS Bundled Captive Insurance Program client-focused brokers now have access to a new market for their well-managed clients, even if they are in hard to place classes.

Policies and certificates of insurance are issued by an A+ rated carrier who also provides integrated reinsurance, protecting the captive insurance company and business owner from catastrophic loss.  CICS Bundled Captive Insurance Program participants are able to form a wholly-owned captive insurance company and reinsure up to 50% of their current premiums all without sacrificing coverage.

As the captive is owned 100% by the insured they also retain 100% of the underwriting profit significantly reducing the net cost of the businesses’ insurance program.

Captive Insurance Program Coverages

The CICS Bundled Captive Insurance Program offers a wide range of commercial coverages to meet your customers’ needs.  Access to our program will give you the tools to provide innovative solutions for even the most complex businesses in difficult to place industries.  We collaboratively partner with insurance brokers and insureds to maximize the customer experience and help ensure outstanding program performance.   Our broad appetite can mean a world of opportunities for your business and provides a wide range of insurance coverages including:

  • Commercial Property
  • General Liability
  • Inland Marine
  • Excess and Umbrella Liability
  • Management Liability
  • And many more… (contact us for a full list)

Who's A Good Fit?

Does your client take a proactive approach to their risk management and loss control programs?
Are your clients continuing to see rate increases on their commercial insurance premiums with a low claims experience?
Is your client paying a total of at least $250,000 in combined property and casualty premiums?

Traditional Insurance vs. Group Captives vs. CICS Bundled Captive Insurance Program

Benefits to Broker

  • Align your agency with the needs of your client
  • Access to a new market for your best-performing clients and hard to place risks
  • Provide a competitive advantage by introducing the program to prospective clients
  • Increase client retention and deepen existing relationships
  • Flexible commission structure

Benefits to Client

  • Reduce insurance premiums by up to 50%
  • Own their own captive insurance company – not simply a small voting share like in a group captive
  • Retain 100% of underwriting profits
  • Take back control of their risk and claims process
  • Create investable loss reserves

Request a Premium Indication

Benefits to Broker

  • Align your agency with the needs of your client
  • Access to a new market for your best-performing clients and hard to place risks
  • Provide a competitive advantage by introducing the program to prospective clients
  • Increase client retention and deepen existing relationships
  • Flexible commission structure

Benefits to Client

  • Reduce insurance premiums by up to 50%
  • Own their own captive insurance company – not simply a small voting share like in a group captive
  • Retain 100% of underwriting profits
  • Take back control of their risk and claims process
  • Create investable loss reserves

Request a Premium Indication

Who is CIC Services, LLC?

CIC Services, LLC is a risk management and consulting firm, specializing in the formation and operation of captive insurance companies for our clients nationwide. As an independent captive insurance manager, CICS provides unparalleled solutions to small and mid-sized businesses in all industry sectors. CICS has been helping businesses set up and own their own insurance companies for nearly two decades, and currently manages nearly 130 captive insurance companies from our headquarters in Knoxville, TN.


CICS prides itself on our ability to take the unique complexities of insurance company operations and simplify them for the needs of our clients. By “lifting the veil” on the insurance industry, CICS enables our clients to participate in risk management and profit in a manner that has been previously exclusive to the Fortune 500.


Principals of CICS serve on numerous committees industry-wide, including leading the Curriculum Committee for the industry’s only professional designation program provided by International Center for Captive Insurance Education (ICCIE). CICS has been recognized a leader in the industry, being nominated in 2019 as a finalist for Captive Manager of the Year (Less than $1bn of premium) and Independent Captive Manager of the Year and Enterprise Risk Captive Manager of the Year (both in 2018). CICS is authorized to manage captives in multiple domestic and international jurisdictions.

CIC Services, LLC is a risk management and consulting firm, specializing in the formation and operation of captive insurance companies for our clients nationwide. As an independent captive insurance manager, CICS provides unparalleled solutions to small and mid-sized businesses in all industry sectors. CICS has been helping businesses set up and own their own insurance companies for nearly two decades, and currently manages nearly 130 captive insurance companies from our headquarters in Knoxville, TN.


CICS prides itself on our ability to take the unique complexities of insurance company operations and simplify them for the needs of our clients. By “lifting the veil” on the insurance industry, CICS enables our clients to participate in risk management and profit in a manner that has been previously exclusive to the Fortune 500.


Principals of CICS serve on numerous committees industry-wide, including leading the Curriculum Committee for the industry’s only professional designation program provided by International Center for Captive Insurance Education (ICCIE). CICS has been recognized a leader in the industry, being nominated in 2019 as a finalist for Captive Manager of the Year (Less than $1bn of premium) and Independent Captive Manager of the Year and Enterprise Risk Captive Manager of the Year (both in 2018). CICS is authorized to manage captives in multiple domestic and international jurisdictions.