Alternative and Captive Risk Solutions

As a group with comprehensive services and exceptional financial strength, TDC Group can protect medical organizations from the unpredictability of the current and future insurance marketplace through alternative program structures, retention options, and fronting for captives.

We can also help to create a contingency plan for winding down a captive insurance program:

  • Commutations
  • Novations
  • Loss Portfolio Transfers (LPTs)

TDC Group’s program offers the following benefits, among others, to make sure you have the flexibility and solvency necessary to respond to an uncertain marketplace:

  • Providing an arrangement that offers cost-efficient protection without the burden of tying up capital that can be used for growth and expansion of services.
  • Transferring risks that prove to be outliers to the continuity and predictability of your captive program.
  • Offering affordable tail coverage for entities or individuals who join the captive, but whose prior risk the captive is uncomfortable with insuring.
  • Placing retirement tail and its funding in a TDC Group business unit to relieve the captive of long-term residual liability.
  • Changing attachment points and reinsurance levels depending on your business needs and risk appetite.
  • For multi-line captives, divesting your captive of medical liability exposures if they become too volatile.
  • Providing an alternative for claims processing, underwriting, investment, and actuarial services if the need arises.

Contact Our Experts

New York

Rich Caldwell
Vice President, Finance and Underwriting
Healthcare Risk Advisors
(212) 891-0818

All Other States

Todd Zeiter
Senior Vice President, National Underwriting
(707) 226-0167

Cynthia Grim
Vice President, Underwriting Portfolio Management
(707) 226-0384