Empowering Brokers & Businesses to take control of their insurance
An AI-powered risk management solution for businesses tired of inflated premiums. Take control of your insurance destiny by forming your own insurer.
Customers love our advanced risk management system with Impel's AI Analytics.
Our innovative, patent-pending technology, paired with a protected cell company, empowers your business to save money by creating its own insurance entity.
Years of experience
Flexible customized policies
Client satisfaction rate
Industries served
Built on Trust, Driven by Innovation
We empower businesses with transparent, forward-thinking insurance solutions that reduce costs, enhance control, and drive long-term success.
We equip businesses with the knowledge, tools, and personalized support to take control of their insurance needs and achieve long-term success.
We embrace forward-thinking technology and continuously refine our strategies to deliver cutting-edge, adaptable insurance solutions that exceed expectations.
We foster trust through open communication, ethical practices, and unwavering professionalism in every client relationship.
We prioritize measurable cost savings, long-term financial stability, and proactive solutions tailored to our clients’ evolving needs.
Why CaaS
Gain the benefits of captive insurance, without the complexity of ownership.
Captive-as-a-Service (CaaS) offers cost-effective captive insurance without ownership, allowing insureds to secure coverage, retain profits, and manage risk with flexible risk-sharing or independent options.
A CaaS is a captive insurance company that insureds can "rent" without owning or managing it. It provides the benefits of a captive insurance arrangement without requiring direct participation in ownership.
The insured contributes the captive’s statutory capital (also known as "core capital"). Impel then handles all management and support in return for a management fee paid from the annual premiums. The captive itself can be structured to either allow risk-sharing among participants or operate with no risk-sharing.
CaaS uses a Protected Cell Company (PCC) that legally separates each insured’s assets into distinct accounts or “cells.” This separation ensures that one participant’s assets cannot be used to cover another’s liabilities unless an agreement exists, like in the case of a group captive.
PCCs function with no risk-sharing but provide added statutory protection. They guarantee that each cell’s capital, surplus, and liabilities are legally independent from other cells within the same captive.
