Wildcat

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Our History

Wildcat Energy Insurance, Ltd. was formed in 2009 by energy companies looking for a more stable, cost-effective insurance alternative built around the realities of their operations. By joining together as a member-owned group captive, founding shareholders created a customized approach that rewards strong safety performance, improves transparency, and gives members a direct voice in key program decisions. With support from Captive Resources, LLC, Wildcat has helped upstream, midstream, and renewable energy companies strengthen buying power and reduce insurance volatility over the long term.

Performance

As of June 30, 2025

Gross Earned Premium

Shows the total premium written into the captive each year, reflecting the overall size and growth of the program over time.

Number of Shareholders

Highlights how many companies participate in the captive each year, illustrating growth, stability, and the strength of the member community. Figures include both active and inactive members.

161

Investment Income

Tracks the income earned from investing captive assets, which can help support long-term financial strength and enhance member returns.

$10.8M

Distributions

Shows the dollars returned to members over time, demonstrating how strong performance can translate into distributions back to participating companies.

Incurred Loss Ratio

Compares the captive’s losses to the premium collected each year, providing a key measure of claims performance and overall program health.

23%

Performance

As of June 30, 2025

2/5

Select Charts

Gross Earned Premium

Shows the total premium written into the captive each year, reflecting the overall size and growth of the program over time.

Shareholders

Highlights how many companies participate in the captive each year, illustrating growth, stability, and the strength of the member community.

161

Investment Income

Tracks the income earned from investing captive assets, which can help support long-term financial strength and enhance member returns.

$10.8M

Distributions

Shows the dollars returned to members over time, demonstrating how strong performance can translate into distributions back to participating companies.

Incurred Loss Ratio

Compares the captive’s losses to the premium collected each year, providing a key measure of claims performance and overall program health.

23%

Becoming a member of Wildcat means taking an active, controlling role in a company’s insurance future. This shift in responsibility is precisely how members achieve long-term stability and financial rewards.

The Legal Structure: Control and Security
Wildcat is licensed and managed in the Cayman Islands, serving to reinsure risks from our U.S.-licensed policy-issuing carrier. This proven structure provides the necessary security and financial efficiency for the core lines of coverage: Workers’ Compensation, General Liability, Automobile Liability and Physical Damage. The company gains the control of a global structure backed by the security of a recognized U.S. carrier.

Each shareholder is entitled to appoint a Director to the Wildcat Board. This ensures direct representation and shared control:

  • Equal Vote, Shared Power: Every shareholder holds one equal vote, regardless of premium size. A simple majority governs, ensuring that the captive is managed in the best interest of all members.
  • Active Participation: Primary responsibilities include actively controlling losses and participating in Board meetings and Risk & Claims workshops.
  • Growing the Equity: Members are encouraged to use their expertise to educate other high-quality businesses about the benefits of the captive concept, helping to maintain and enhance the group’s financial strength.

Wildcat’s management strength lies in its strong committee structure and the frequent, individual involvement of all Directors. This focused oversight is how owners exercise granular control over the captive’s operations and strategic future.

Executive: Develops and steers the long-range plans and strategic direction for the company.

Finance: Reviews all financial statements, ensures member financial compliance, and advises the Board on the investment policies for the company’s assets.

Underwriting: Advises the Board on acceptable risks, ensuring that all risks assumed are adequately underwritten to protect the group’s financial stability.

Risk Control: Sets loss control goals, reviews performance reports, and actively works with members to achieve the required safety and claims management targets.

Nominating: Recommends future officers and committee chairpersons to the Board for two-year terms, ensuring strong, continuous leadership.

Premiums Built For Individuals, Not The Market

One-size-fits-all pricing is out. In Wildcat, each member company’s annual premium is actuarially tailored to actual results and commitment to safety.

This is not a market rate. It is a performance rate. Premium dollars retain predictable, company-specific risk, while catastrophic events are shared across the group. The model encourages accountability, rewards disciplined management, and makes long-term insurance costs more predictable.

Criteria

Because each member of Wildcat is an owner, the following criteria has been established to ensure the quality of membership and long-term strength of the company:
  • Management Commitment to Safety
  • Financially Strong Company
  • Loss Experience Better than Average for Industry Group
  • Regular Attendance and Participation in Board Meetings
  • Business Philosophy Compatible with Wildcat Group
  • One-time Cash Contribution to Capitalization of $36,000
  • Minimum Annual Casualty Premium of $250,000
 

We empower members to be proactive. Each member receives dedicated funds to engage a loss control consultant who acts as a trusted partner, focused solely on preventative strategies to reduce risk exposure and improve long-term performance.

Claims Management with Clarity
While the Third-Party Administrator (TPA) handles claims and has that authority, the company maintains oversight. Partner with our dedicated third-party claims administrator, leveraging leading technology and customized handling instructions that reflect company service expectations and ensure clear visibility and input throughout the process.

Twice a year, Wildcat hosts intensive Risk Control Workshops focused specifically on advanced claims management and loss prevention strategies. These customized, unique events allow members to network with fellow owners and leverage collective expertise to refine risk strategies.

Stay ahead of emerging risk trends. As a Wildcat member, organizations receive complimentary access to monthly webinars, concise one-hour sessions designed to deliver practical, actionable insights on safety, claims, and risk issues directly to internal teams

Access a powerful, web-based service filled with tools to bolster the entire risk program. This centralized Risk Platform provides an abundance of resources, from comprehensive safety training modules to up-to-date guidance on employment practices.

The secure Member Portal is a single point of access for all essential captive information. Members can review key documents like annual financial reports, access board meeting summaries, join member-only forum discussions, and retrieve the library of risk control and webinar recordings.

Wildcat’s management strength lies in its strong committee structure and the frequent, individual involvement of all Directors.

Captive Consultant:
Captive Resources, LLC

Claims Administrator:
Zurich American Insurance Company

Credit Facility Bank:
Societe Generale, Banco Santander, S.A.

Policy Issuance:
Zurich American Insurance Company

Loss Control Consultant:
Various

Operating Bank: 

Scotiabank & Trust (Cayman) Ltd.

Reinsurer: 

Zurich American Insurance Company

Captive Manager:
Kensington Management Group, Ltd.

Insurance Manager:
Kensington Management Group, Ltd.

Insurance Brokers: 

Various

Auditor:
PricewaterhouseCoopers

Actuary:
Edgewater Actuarial Insights, LLC

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Benefits of Joining Wildcat

The Ownership Advantage

Wildcat members share a common goal: protecting their people and their businesses. We empower sophisticated business leaders with unmatched control and the opportunity to turn a commitment to business excellence into a financial asset. The model is built on three core pillars: financial stability, a rewarding safety culture, and peer-to-peer trust.

In Wildcat, an investment in workplace safety is directly rewarded. Partners are bonded by a shared commitment to minimal losses and are provided with actionable steps and proven recommendations to elevate their safety culture. This focus on loss control translates into fewer claims and a safer workforce, which is the necessary foundation for long-term financial stability within the captive. The selection process is stringent. We partner only with industry leaders who demonstrate managerial commitment to safety and financial stability. This selective, transparent process ensures a foundation of trust that protects every owner’s investment and upholds the group’s financial strength.

We transform insurance premiums into a source of stability and equity. The concept is simple: by joining a captive for a true sharing of risk, owners earn the financial rewards previously retained by traditional carriers. Member success is our success. This collective strength allows partners to achieve long-term premium stabilization and the opportunity to generate dividends, which are a direct return of underwriting profit to members. This financial advantage, coupled with expert risk coaching, makes a disciplined approach to risk a clear profit center.

A key differentiator of Wildcat is the active participation and collective input of its shareholders. This is not a passive investment. It is an executive-level peer network where shareholders actively govern the company. This shared interest creates a constructive network of national business leaders eager to improve their own companies while contributing to the overall success and direction of the group. Collective input shapes the company’s future, ensuring the captive always operates in the best interest of the membership.

For Executives

Wildcat empowers business leaders to turn insurance into a strategic advantage, giving them control over costs, culture, and outcomes while connecting them with a powerful network of like-minded executives.

Control Corporate Destiny

Leaders navigate complex challenges, balancing ambitious financial milestones with the critical task of leading organizational culture. Wildcat was founded by business owners who wanted more control over costs and outcomes. That same entrepreneurial spirit drives Wildcat today, empowering member companies to set the strategic course for their risk management future.

In the traditional market, excellent claims performance rarely translates into financial benefits. The annual premium is often a sunk, fixed cost with little control over the rate.

With Wildcat, that dynamic fundamentally changes. The premium becomes a strategic spend and not simply an expense. Member companies have the opportunity to earn dividends that directly reflect superior loss performance and the collective success of the group. This model works: since inception, Wildcat has returned over $25.5 million in dividends to its partners, proving that excellent risk management pays tangible financial rewards.

Every effective CEO understands that culture is king for team performance.A strong safety culture is perhaps the most critical component, ensuring employees return home safely and minimizing business disruption. Upon joining the Wildcat community, members benefit from the collective experience and insight of other successful leaders. Access includes direct safety coaching and proven strategies from fellow executives on cultivating a culture of safety and implementing safer, more efficient operations.

As a Wildcat partner, organizations are not just buying insurance; they are joining over 161 elite companies united in a commitment to controlling costs, improving safety, and growing the group’s financial strength. Partners frequently cite this deep sense of camaraderie as a key benefit, often leading to valuable new business opportunities and extensive, practical peer-to-peer business training that goes far beyond insurance.

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For Financial Managers And Directors

Wildcat gives financial leaders greater control, predictability, and return on their insurance spend, transforming premiums into an investment that delivers stability, savings, and measurable ROI.
Stability, ROI, and Control

Finance directors and CFOs know an insurance program’s financial implications extend far beyond the initial premium. Leaders must assess long-term cost trends, volatility, and how claims activity impacts a company’s fiscal health. Wildcat was created by business leaders to solve these exact challenges, transforming insurance from a volatile expense into a controllable, financially rewarding asset. For successful companies, Boulder is a direct and valuable contributor to sustained financial success.

Traditional insurance markets rise and fall with industry trends, often ignoring a company’s actual performance. Wildcat replaces that uncertainty with stability. Members benefit from more predictable premiums that reflect their safety record and the group’s collective results, not external market swings. This consistency supports accurate, data-driven budgeting and long-term financial planning, helping finance teams project costs with confidence year after year.

Wildcat provides the tools and expertise to implement safer company-wide practices, turning operational improvements into measurable financial savings. Members receive guidance and coaching on creating robust cultures of safety, with specific strategies for risk reduction across a range of industries. By implementing these practices across the organization, companies directly and proactively reduce claims costs, securing a lower financial outcome year after year.

In Wildcat, the premium does not disappear, it works for the company. By sharing risk and practicing proactive loss control, members transform insurance from a fixed expense into a strategic spend. When the group performs well, members earn dividends that reflect both company-specific and collective results. Since inception, Boulder has returned more than $45 million in dividends to its partners. It is insurance with accountability, with the potential for measurable return.

For
Executives

Wildcat empowers business leaders to turn insurance into a strategic advantage, giving them control over costs, culture, and outcomes while connecting them with a powerful network of like-minded executives.

For Financial Managers And Directors

For Financial Managers And Directors

Wildcat gives financial leaders greater control, predictability, and return on their insurance spend, transforming premiums into an investment that delivers stability, savings, and measurable ROI.

For Executives
Control Corporate Destiny

Leaders navigate complex challenges, balancing ambitious financial milestones with the critical task of leading organizational culture. Wildcat was founded by business owners who wanted more control over costs and outcomes. That same entrepreneurial spirit drives Wildcat today, empowering member companies to set the strategic course for their risk management future.

Transform Premium into a Strategic Spend

In the traditional market, excellent claims performance rarely translates into financial benefits. The annual premium is often a sunk, fixed cost with little control over the rate.

With Wildcat, that dynamic fundamentally changes. The premium becomes a strategic spend and not simply an expense. Member companies have the opportunity to earn dividends that directly reflect superior loss performance and the collective success of the group. This model works: since inception, Wildcat has returned over $45 million in dividends to its partners, proving that excellent risk management pays tangible financial rewards.

Safety Culture as a Performance Lever

Every effective CEO understands that culture is king for team performance. A strong safety culture is perhaps the most critical component, ensuring employees return home safely and minimizing business disruption. Upon joining the Wildcat community, members benefit from the collective experience and insight of other successful leaders. Access includes direct safety coaching and proven strategies from fellow executives on cultivating a culture of safety and implementing safer, more efficient operations.

Network with Proven Business Leaders

As an Wildcat partner, organizations are not just buying insurance; they are joining over 161 elite companies united in a commitment to controlling costs, improving safety, and growing the group’s financial strength. Partners frequently cite this deep sense of camaraderie as a key benefit, often leading to valuable new business opportunities and extensive, practical peer-to-peer business training that goes far beyond insurance.

Stability, ROI, and Control

Finance directors and CFOs know an insurance program’s financial implications extend far beyond the initial premium. Leaders must assess long-term cost trends, volatility, and how claims activity impacts a company’s fiscal health. Wildcat was created by business leaders to solve these exact challenges, transforming insurance from a volatile expense into a controllable, financially rewarding asset. For successful companies, Wildcat is a direct and valuable contributor to sustained financial success.

Long-Term Cost Predictability

Traditional insurance markets rise and fall with industry trends, often ignoring a company’s actual performance. Wildcat replaces that uncertainty with stability. Members benefit from more predictable premiums that reflect their safety record and the group’s collective results, not external market swings. This consistency supports accurate, data-driven budgeting and long-term financial planning, helping finance teams project costs with confidence year after year.

Reduce Claims, Realize Savings

Wildcat provides the tools and expertise to implement safer company-wide practices, turning operational improvements into measurable financial savings. Members receive guidance and coaching on creating robust cultures of safety, with specific strategies for risk reduction across a range of industries. By implementing these practices across the organization, companies directly and proactively reduce claims costs, securing a lower financial outcome year after year.

Turning Premium into a Strategic Spend

In Wildcat, the premium does not disappear, it works for the company. By sharing risk and practicing proactive loss control, members transform insurance from a fixed expense into a strategic spend.

When the group performs well, members earn dividends that reflect both company-specific and collective results. Since inception, Wildcat has returned more than $45 million in dividends to its partners. It is insurance with accountability, with the potential for measurable return.

“Since joining Wildcat in 2021, our premiums have stayed remarkably stable despite volatile markets. The expertise, transparency, and true partnership mindset we’ve experienced through Captive Resources have made a meaningful difference in managing our risk and controlling costs long-term.”

CFO/Safety Director

Joined 2021

“Our 14 years in Wildcat have been one of the best decisions we’ve ever made, financially and beyond. The connections we’ve built with other safety-focused companies are invaluable, and unlike traditional insurance, we have a real voice in how things are run. We’ve never felt like our hands are tied.”

President/CEO

Joined 2011

“Over more than a decade in Wildcat, we’ve realized meaningful financial benefits while gaining greater transparency and control over the complex risks in our industry. The program is run with a level of professionalism and discipline that simply sets it apart from the traditional insurance market.”

VP of Finance

Joined 2014

“Being part of Wildcat has given us stability in a volatile market, especially when it comes to auto insurance. The renewal process is efficient, the Captive Resources team is a pleasure to work with, and we can focus on running our business with real confidence.”

CEO

Joined 2020

About Captive Resources

For more than four decades, Captive Resources has helped mid-market companies become insurance company owners rather than insurance buyers—reducing total cost of risk through the creation, development, and oversight of member-owned group captive insurance companies. Today, Captive Resources advises more than 50 group captives across a range of industries.

Captive Resources supports Casualty and Medical Stop Loss group captives, as well as a Property group captive available to members of the Casualty programs.

Additional offerings include group captive premium financing and umbrella support services.

Comprehensive support is provided across all aspects of captive operations, including claims advocacy, risk management, financial services, regulatory compliance, investment services, operational oversight, and more.