Crumdale launches next-gen Captive Solutions

Crumdale Specialty has launched Crumdale Captive Solutions, a next-generation protected cell captive owned by Crumdale and domiciled in South Carolina. 

Crumdale said that the launch represents the next evolution of its role as the hub for self-funded employee benefits optimisation—a role it has earned through years of transforming complex insurance systems into strategic, scalable solutions.

Built for brokers and employers who have outgrown the limits of fully insured and level-funded plans, Crumdale’s Captive Solutions platform is a natural extension of its proven Integrated Health model—an ecosystem designed to simplify self-funding and deliver the lowest net cost of care.

“Mid-market employers have long been at the mercy of unpredictable rate hikes with limited insight into their claims data or cost drivers,” said Matthew Naylor, founder and chief executive of Crumdale Specialty. “From day one, Crumdale has focused on financing healthcare risk by optimising and integrating self-funded solutions. Our group captive is a natural extension of that strategy—offering an additional layer of risk financing for employers ready to take greater control. This isn’t just about lowering costs; it’s about transforming how healthcare benefits are delivered—with more transparency, accountability, and long-term sustainability.”

“The healthcare system is broken—fragmented, opaque, and misaligned,” said Naylor. “Our captive isn’t just a funding mechanism. It’s a platform built to evolve with our clients—one that starts with education and simplicity, then scales into a long-term strategic asset.”

Crumdale said that its methodology helps employers transition into self-funding at their own pace. Rather than jumping into an opaque captive structure, Crumdale begins by stabilising cost and claims volatility through its Integrated Health offering—then moves employers into the captive, when ready and appropriate, with confidence.

This year, Naylor, his operating partners and the Crumdale team launched two purpose-built captive programs:

Crumdale High Performance Captive

• A turnkey model built on Crumdale’s Integrated Health platform—ideal for employers with 25+ lives transitioning from level-funded plans or 100+ moving from fully insured.

• Fully bundled administration and pharmacy management

• Built-in cost containment, care navigation, and member advocacy

• No new laser and rate cap provisions

Crumdale Open Captive Program

• A customisable, flexible option for mid-market groups (50+ lives from level-funded, 100+ from fully insured) ready to build their own path in self-funding.

• Choose-your-own TPA, PBM, and cost containment partners

• Shared risk model with built-in protections

• No new laser and rate cap provisions

Both programs feature a data-driven approach that proactively reduces healthcare claims costs by identifying areas of opportunity for risk management and offer risk-sharing opportunities to generate surplus and long-term stability.

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