Establish your own insurance company
Reposition below the surface risk from being self insured with after tax dollars, to being fully insured with pre tax dollars
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Years captive experience
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Dedicated team members
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Captives formedWelcome To Our Website
Safe Harbor empowers qualified small business owners with innovation, strategy and technology to better protect their future.
Our Mission
Our mission is to save Small Business America by educating and empowering business owners with the knowledge, strategies & tools previously reserved for the Fortune 5000.
Our Vision
Our vision is to be a beacon of trust and integrity, offering wisdom to transform the way small businesses protect their assets and futures. We aspire to create an America where every small business owner has access to the strategies and financial tools once reserved for only the largest of companies.
What is a captive?
What We Do
Transforming liabilities into profits while safeguarding operational cashflow for sustainable business growth and success
Assess and Educate
Qualify, assess and educate business owners on captives via personalized consultations, offering insights into benefits and risk management strategies.
Design and Form
Design and establish customized captives for small business owners, ensuring seamless compliance and operational efficiency throughout the process.
Manage and Administer
We oversee your captive insurance management, policies, claims management, and compliance ensuring comprehensive support and peace of mind.
Industries
Industries utilizing captive insurance strategies with proven benefits.

Dentists
Dental Captive ownership strategies serve to strengthen the practice portfolio, improve patient satisfaction, increase treatment plan acceptance, and contributes to the overall financial stability of the practice.
Real estate and property managers
Real estate owners and property managers have found captives are beneficial for exerting more control over insurance expenses, customizing coverage to suit their exact requirements, and potentially lowering premiums in the long run. By establishing a captive, they can effectively manage risks associated with property ownership and management while enjoying the advantages of retaining profits.
Manufacturing
A manufacturing company may find value in establishing a captive insurance company to mitigate risks associated with product liability, property damage, or business interruption, while also offering custom warranty coverage tailored to their specific industry needs. This captive arrangement empowers the company to create bespoke warranty solutions, ensuring comprehensive coverage for their products and services, while also potentially reducing costs and gaining greater control over their insurance program.
Construction
Contractors who self-insure various hidden risks can significantly benefit from forming a captive insurance company. This strategy provides leverage by offering protection against supply chain disruptions, business interruptions, and subcontractor defaults. Additionally, it enables contractors to transition from covering warranty work with operational cash flow to using pre-tax dollars.
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