Captive Health Insurance


Many small to medium size businesses face the challenge of providing robust employee benefits health plans while managing costs effectively. At Gilbert’s, we offer a tailored solution in the form of captives — a distinctive employee benefits health plan designed to optimize coverage and control expenses. Explore how captive plans prioritize the well-being of employees. 

At Gilbert’s Risk Solutions, we provide a range of benefits through leading insurance partners. Captives offer an effective way for employers to self-fund benefits, minimizing costs, volatility, and uncertainties associated with traditional self-funding.



Important Benefits of a Captive Plan


  • Cost Control
  • Customized Coverage
  • Transparency



While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home. 

Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

We offer a full complement of benefits from the nation’s premier insurance partners, and our experienced Pennsylvania employee benefits consultants can help you develop a package that is right for your workers and your budget. Our approach is consultative and solutions based.

Value Added

In addition to your having access to our highly experienced benefits and HR consultants, we think you need another layer of protection. A 2015 study reported that U.S. employers have about a 12% chance of an employee claim that could result in a lawsuit. Compliance, documentation and HR best practices are your main defense. That’s why we provide our Employee Benefit clients with state-of-the-art technology, trainings, and tools at no additional cost.

Tailored Solutions

Many employers do not recognize the potential risks they carry, lacking adequate services, policies, or procedures to mitigate the likelihood incidents. We are dedicated to offering the best-tailored solutions to each individual scenario. The aim is to help you implement captive insurance as a risk management measure, and assist you in selecting the optimal coverage to protect yourself and your employees.

Tailored Solutions

360 degree approach

We take a 360 degree view of your business to ensure that all aspects of your business are secure. Our team of experts in Loss Control, Employee Benefits, Human Resources, and training are all available to our Gilbert’s Risk Solutions commercial clients, ensuring multi-pronged risk mitigation.