Captive Insurance Expertise Built for Health Care

Captive Insurance Management Group, Inc. (CIMG) is an independent consulting and brokerage firm specializing in health care captive self-insurance and alternative risk programs.

Full-Lifecycle Captive Services

From Feasibility to Ongoing Management

CIMG provides comprehensive services across the full captive lifecycle, including:

  • Feasibility studies and underwriting support

  • Program design and implementation

  • Policy drafting and reinsurance agreements

  • Excess and stop-loss reinsurance placement

  • Ongoing administration and advisory services

  • Program transitions and restructurings

CIMG Online™

Secure, Purpose-Built Claims & Insurance Data Platform

To meet the specialized needs of our clients, CIMG developed CIMG Online™, a proprietary, cloud-based claims and insurance information database.Designed specifically for health care captive programs, the platform enables:

  • Management of underwriting and claims data

  • Custom reporting and analytics

  • Secure client access

  • Efficient data submission and documentation

CIMG Online™ is scalable and customizable, supporting both internal management and client-facing reporting needs.

Security & Infrastructure

Built for Reliability and Compliance

CIMG Online™ is hosted by Expedient Data Centers in a SOC I / SOC II compliant environment, with enterprise-grade security, including:

  • Multi-Factor Authentication for all users

  • Endpoint detection and intrusion response

  • Automatic failover to a live backup server

  • Encrypted offline backups

This infrastructure ensures data integrity, availability, and protection aligned with the operational needs of health care organizations.

Strategic Advisory & Program Governance

Long-Term Oversight, Independent Judgment, and Continuity

CIMG provides ongoing strategic advisory support and governance expertise to ensure captive and alternative risk programs remain aligned with organizational goals, regulatory requirements, and long-term financial performance.Our advisory services include:

  • Captive governance and board support

  • Program performance evaluation and optimization

  • Regulatory and domicile coordination

  • Risk financing strategy and reinsurance advisory

  • Support during leadership, operational, or market transitions

This hands-on, relationship-driven approach provides continuity and stability for programs that are intended to perform over decades—not just policy cycles.

Captive Insurance Management Group, Inc. (CIMG) is an independent consulting and brokerage firm specializing in health care captive self-insurance and alternative risk programs.With over 20 years of experience, our team develops, implements, services, and transitions complex risk programs for health care organizations, including:

  • Professional & general liability

  • Medical stop-loss

  • Workers’ compensation

  • Employment practices liability

  • Health plan and HMO reinsurance

Since our formation in 2008, CIMG has successfully served health care clients in a market dominated by national firms—by focusing on expertise, continuity, and long-term value rather than scale.

Our Philosophy

Independent. Client-Aligned. Long-Term Focused.

Unlike national firms whose growth depends on adding new clients and increasing revenue, CIMG’s priority is delivering consistent, high-quality service at reasonable and stable long-term costs. As an independent provider, our success is measured by:

  • Long-term program performance

  • Stability of service teams

  • Alignment with client interests—not carrier or corporate agendas

Our clients benefit from continuity, particularly during periods when other providers experience staffing changes or organizational turnover.

What Sets CIMG Apart

Depth of Expertise Without the Bureaucracy

CIMG provides the expertise, service depth, and hands-on support that traditional brokerage and captive management firms do not routinely deliver. Our approach emphasizes:

  • Thoughtful feasibility analysis

  • Practical implementation

  • Ongoing administration and underwriting support

  • Strategic access to reinsurance markets

This has enabled our clients to adopt alternative risk programs as long-term solutions, improving:

  • Cost efficiency

  • Flexibility and control

  • Investment in quality and patient safety

Representative Experience

Proven Results Across the Health Care Continuum

Children’s Hospital Transition

Transitioned a national children’s hospital from a self-insurance trust to a captive structure, expanding coverage to include employment practices liability, employer stop-loss, and implementing a self-insured workers’ compensation program.

Health System Health Plan Launch

Provided feasibility, implementation, underwriting, policy drafting, and reinsurance placement for stop-loss, HMO, and excess reinsurance using existing professional and general liability captives.

Independent Hospital Group Captive

Designed and administered a group captive self-insurance program, including a Risk Retention Group (RRG) and reinsurance captive, serving independent hospitals and affiliated physicians.

Nursing Home Group Captive

Developed and managed a group captive self-insurance program for independent nursing homes, including excess reinsurance placements.

Community Hospital System Consolidation

Developed and managed a group captive self-insurance program for independent nursing homes, including excess reinsurance placements.