In many industries, professional liability insurance premiums have skyrocketed while coverages have disappeared.

Traditional insurance companies have been assuming less and less of the risk through the use of “claims-made” policies, high deductibles, and self insured retentions (SIRs). As a result, more than half of insureds in some industries (nursing homes, hospitals, and physicians) utilize alternative insurance mechanisms.

SelfCap is uniquely structured to allow the client to benefit directly from positive loss experience, whereas conventional insurance is always structured to benefit the insurance company.