Our Mission is to Provide Best-in-Class Insurance Solutions and Fanatical Service

For the past decade, Pearl has helped business owners take control of their insurance costs and turn risk management into a competitive advantage. As an independent brokerage specializing in group and single parent captives, we guide companies through every step of the captive journey, from evaluating whether a captive is the right fit to structuring and supporting it for the long haul. But what sets us apart isn’t just our expertise; it’s the relationships we build. Our clients stay with us year after year because we take the time to understand their business, explain their options in plain English and act as a true partner in protecting what they’ve worked so hard to build.

Specialization is our advantage: deep expertise in captives and custom program design, matched with a level of service that a generalist brokerage cannot sustain or compete with. 

Before we design anything, we learn how your business operates, including your exposures, your safety culture and your objectives because the right program structure comes from those facts, not from a template.

With discovery complete, our actuarial team models your historical claims experience to price your program on its own merits, using your losses and your trend rather than a blended market average.

Together, we finalize your coverage structure, align on financing and collateral options and integrate you into our servicing platform. The program runs smoothly from day one, without adding work for your team.

Your program’s performance is a daily discipline, not an annual review. We deliver claims advocacy and administration, coordinate with your captive provided legal team, assist with audits and integrate our technology such as our MVR monitoring platform. All of this in an effort to mitigate and solve problems before there is an associated cost to you.