Captive Programs
Captive Programs

Control, Flexibility, and Cost-Saving Benefits

Captive insurance programs offer a wide-range of benefits for different types of clients. Depending on your needs, we can work with you to identify the ideal captive structure, implement a program, and provide captive management services directly or recommend qualified providers.

Physician's Groups

  • Cost and control benefits
  • Flexible structures for premiums
  • Influence over whether to settle or contest lawsuits
  • Management of premium returns
  • Stable, predictable insurance coverage, retention of profits generated, and retention of investment income on premiums paid

Community Banks

  • Enhanced balance sheets
  • Increased stability of financial results
  • Possible tax-efficient pre-funding of expected losses
  • Cost-efficient self-insurance where commercial coverage unavailable or overpriced

Mid-Sized Companies

  • Control self-insured funds used to meet collateral requirements
  • Control over claims management
  • Potential wealth preservation or transfer advantages
  • Manageable deductibles, increased security for lenders, access to reinsurance market, and tax-efficient pre-funding of expected losses
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M&T Bank. Investment Services, Wealth Advisory and Corporate & Institutional products and services are offered by Wilmington Trust Company,
operated in Delaware only, and Wilmington Trust, N.A. International Corporate & Institutional services are offered through our international affiliates.

 Investments: • Are NOT FDIC-Insured. • Have NO Bank Guarantee. • May Lose Value. 
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