Risk management is the process of making and carrying out decisions that will minimize the adverse affects of accidental losses to an organization. Lyman & Sheets is staffed with licensed insurance counselors who are fully prepared to serve as partners in your organization’s risk-management program. We can augment your existing knowledge, skills and abilities.

A Captive Insurer is a risk-management technique in which a business forms its own insurance company subsidiary to finance its retained losses in a formal structure. It’s called a “captive” because the business is the sole policyholder and owns the insurance company. As with traditional insurance, captive insurance can cover several types of risk: general liability, auto liability, workers’ compensation, etc.

Is a captive right for you? We can help you answer that question.

Lyman & Sheets has experience in captive programs with clients in single- and group-captive arrangements. Our captive partners are both domestic and internationally based.

how can we help you?

Let Lyman & Sheets help you navigate the insurance landscape.

When I arrived 15 minutes after receiving a call about a fire at our business, I was amazed to see Dave Drayton already on the scene and in contact with our carrier. He and his team saw us through the entire claim and rebuild process, and we received a very fair settlement. This is a good example of why we use Lyman & Sheets for our insurance needs.

Joseph P. Maguire
, Wolverine Development Corporation