The most common mechanism, which has been available to you, allowing you to take some risk in your own P&C insurance program is a high deductible. With a high deductible, your insurance kicks in at a higher defined limit, so you buy less insurance at a lower premium. However, your insurance carrier will still normally control all the claims. With RE–PAID you keep the same deductible (or even reduce it), and gain real influence over the claims you are paying with your own money in your captive.
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