A unique alternative to traditional insurance.

Today, thousands of larger businesses throughout the Lehigh Valley, Northeast region and beyond have turned to Captive Insurance programs. These programs serve a broad range of industries, empowering their members with the security and peace of mind that comes from greater control over their insurance destiny.

Member-Owned Group Captives 101

Today, more than 51% of companies throughout the United States have entered into some form of
alternative insurance program. A member-owned group captive is defined as an insurance company
that provides insurance to and is controlled by its owners. These programs serve a broad range of
industries, empowering their members with the security and peace of mind that comes from greater
control over their insurance destiny.

Some benefits include:

  • Potential return of underwriting profit in the form of a dividend

  • Competitive overall premium; Initial pay in premium is often less than conventional insurance premiums

  • Potential investment income earned on the dollars in your loss fund

  • Enhanced loss control and risk management services

  • Enhanced claims management including a TPA selected by the captives owners

  • Long-term premium stability

  • Multi-state capabilities

Team - Justin Beidleman -

Justin Beidleman

Alternative Risk Advisor

610-437-3340 Ext. 227

Who Qualifies?

To qualify, a company must show a strong commitment to safety, above average loss history, be financially sound and pay a combined premium for workers compensation, auto liability/physical damage and general liability/garage liability in excess of $100,000.

For those who qualify, a captive insurance program may provide a long-term, stable mechanism to control insurance costs and cope with changing market dynamics.

Target Industries:

  • Manufacturing
  • Automotive
  • Trucking
  • Health Care
  • Contracting
  • Food & Beverage
  • Roofing Contractors
  • Real Estate
  • Sales & Service
  • Wholesale & Distributors
  • Restaurant Franchises
  • Agribusiness

Our History with Captives

Recognizing the need to bring a unique and differentiating approach to risk transfer for their clients, Arbor Insurance Group partnered with Captive Resources to place its first client into a member-owned group captive insurance program in 1997.

Since then, Arbor has provided alternative insurance solutions to a healthy number of businesses of all sizes and industries, ultimately, providing them stability and control over their insurance destiny. The member-owned group captive insurance concept reaches across a broad range of industries, empowering the members with the security and peace of mind that comes from greater control over their insurance destiny.

Members insulate themselves from the cyclical nature of the traditional insurance industry while reaping the benefits that may come with being an owner of an insurance company with safe, quality and like-minded businesses.

Arbor Insurance Group is committed to the philosophy of member-owned group captives. Our captive insurance client portfolio continues to grow as more companies look for alternative and unique ways to transfer their risk.

About Captives

Captive Resources is an independent captive consulting company dedicated to empowering businesses to control their insurance costs and develop organizational cultures that exemplify the very best safety and loss prevention practices. Members of CRI captives come from a broad range of industries and from all regions of the country.

For over 30 years, CRI has provided companies the ability to become insurance company owners, rather than insurance company buyers, through the creation, development and oversight of member-owned group captive insurance companies.

CRI understands that the price of insurance purchased in the conventional market often includes markups to pay for the insurer’s acquisition costs, marketing expenses, high commissions, administration and overhead. Such pricing is specifically designed to deliver profit to the insurer’s bottom line. CRI’s goal is to help minimize those costs in order to enhance your bottom line.

Today, CRI has grown to become the indisputable leader in providing consulting services to member-owned group captive insurance programs, serving more than 35 captives that generate over $2.3 billion in premiums annually. CRI has become the largest, most experienced and successful U.S. advisor to member-owned group captive insurance companies. Over the past 35 years CRI’s guidance has helped to return in excess of $1.7 billion in dividends to member owners.

The Power of a Captive

Traditional Carrier Captive Program
Premium Paid $200,000 $200,000
Expense Ratio 50% 40%
Premium Available to Pay Claims $100,000 $120,000
Claims in a Given Year $35,000 $35,000
Underwriting Profit $65,000 $85,000
Your Business Profit $85,000

Captive Client Portfolio

G.C. Zarnas & Co., Inc, Zarnas Access Solutions, Inc.

Founded in 1948 by Gus C. Zarnas, a former member of the Chicago Bears of the NFL and National College Football Hall of Fame Member, G.C. Zarnas is a leading QS-1, QP-1, QP-2 and QP-8 national contractor performing a variety of industrial and commercial services. These include the application of high performance and specialty coatings, industrial painting, tank linings, intumescent and cementitious fireproofing, waterproofing, abrasive and sandblasting services, as well as asbestos and lead abatement.

Members Since 1997

Wilson Products
Wilson Products Compressed Gas Co., Inc.

Wilson Products is a privately owned company located in Easton, PA and was founded over 60 years ago. Wilson is a distributor of various compressed gases, welding supplies and industrial supplies that serve a variety of industries such as welding and fabrication, medical, laboratory, and many more. Wilson Products offers the most up to date technology in welding, cutting, and industrial equipment with a fully equipped showroom.

Members Since 2001

ATAS International
ATAS International, Inc.

Founded in 1963, ATAS International, Inc. is a leading manufacturer of metal roofing, wall cladding, ceilings, perimeter edge metal and accessories. The ATAS portfolio features an expansive selection of products available in aluminum, steel, zinc, stainless steel and copper. With sustainability at the forefront of modern building design, ATAS proudly supports green building objectives with high performance solutions. ATAS has four ISO certified manufacturing locations in the United States: two in Allentown PA, including their company headquarters, Morrisville PA and Mesa AZ.

Members Since 2007

Four Winds Concrete
Four Winds Concrete, Inc. West Truckers Franchise, Inc.

Four Winds Concrete, Inc was founded in June of 2004 by Sherri & Frank Casilio, representing a third generation in the ready mix industry and joining with their sons to mark four generations. With two ready mix concrete manufacturing locations in Bethlehem, PA and Wind Gap, PA, Four Winds is able to service the Lehigh Valley and surrounding areas with over 40 employees and a fleet of over 30 distinctive silver and navy concrete mixer trucks. In addition to Four Winds Concrete, the Casilio Family also owns & operates several other companies including West Truckers Franchise, Inc., or WTF, to provide sand/gravel hauling, concrete recycling, concrete pumping, heavy hauling services and more.

Members Since 2014

Baseline Contracting
Baseline Contracting, Inc. Siteline Services, Inc.

Baseline Contracting is an aggressive, PennDot pre-qualified company specializing in the quality construction and rehabilitation of concrete pavement, as well as, concrete and steel structures. Based in Coplay, PA, Baseline services the entire Eastern Pennsylvania area from Philadelphia to Wilkes Barre, and Harrisburg to New Jersey.

Members Since 2014

McCarthy Masonry & Concrete
McCarthy Masonry & Concrete, Inc.

James P. McCarthy established McCarthy Masonry & Concrete in 1989. McCarthy Masonry & Concrete is focused on providing concrete and masonry services and is equipped to handle an array of projects from detailed restoration and preservation to multi-million dollar redevelopment. McCarthy’s scope of work includes large residential sites, educational facilities, institutional buildings, retail shopping centers, industrial facilities, religious structures, public works projects and municipal streetscapes.

Members Since 2015

EVB Service Center
EVB Service Center, Inc., T/A EVB Towing; Bowe’s Exxon Car Care Center

EVB Towing is the Philadelphia region’s leader in towing, recovery, equipment transport, truck road service, heavy hauling, freeway service patrol and incident management. EVB has a fleet of over 30 lettered trucks equipped with the latest safety technology and advancements. Bowe’s Exxon Car Care Center is a state-of-the-art Exxon service station providing both fuel and car repair services by A.S.E certified technicians.

Members Since 2017

Wolverine Constructors
Wolverine Constructors, Inc.

Wolverine Constructors specializes in the construction of major earth moving and large underground utility projects. Earthmoving crews are spearheaded with CAT D9 and Komatsu D355 dozers, CAT 637D, Terex TS25 Scrapers and more. Supporting the heavy equipment crews are a fleet of dozers and excavators, landscape crews and personnel and equipment for erosion and sedimentation control implementation. Wolverine Constructors also consists of Wolverine Recycling and Wolverine Mining Specialties, a materials recycling/crushing division and deep utilities trenching division respectively.

Members Since 2017

Green Acres
Green Acres Outdoor Living, LLC. T/A Green Acres Fuel; Elk Transport, LLC.

Green Acres Outdoor Living, LLC. is a family owned and operated outdoor furniture store consisting of 3 locations in Easton PA, Whitehall PA and Marietta GA. Green Acres is committed to providing outstanding products, fair prices and great service. Products include aluminum patio furniture, poly patio furniture, wooden outdoor furniture, storage sheds, gazebos, gas and charcoal grills, playsets and swing sets and an array of quality Amish-crafted indoor furniture. Green Acres Fuel provides and transports quality home heating oil, kerosene and diesel fuel and is equipped with qualified service technicians for all HVAC needs. Elk Transport, LLC. is a for-hire carrier equipped with flatbed and stepdeck trailers specializing in oversize freight throughout the US.

Members Since 2017

Balas Distributing
Balas Distributing, Inc.

Balas Distributing is a family-owned and operated business that was founded in Freeland, PA in 1946. The company serves customers locally in Freeland, Hazleton and Wilkes Barre, Pennsylvania and throughout the Eastern United States. Balas specializes in distributing some of the most respected automotive brands of oils, chemicals and lubricants to various retail facilities and end users.

Members Since 2017

Walter McKeon
Walter H. McKeon, Inc. T/A McKeon Trucking

McKeon Trucking, a family-owned-and-operated business since 1973, provides dump truck hauling services throughout Pennsylvania and New Jersey. Walt McKeon started the company and was followed by his son, Joseph McKeon. Now the third generation, Kevin McKeon, has joined the business. With a fleet of over 25 tri-axle dump trucks, McKeon specializes in the hauling of stone, dirt, asphalt, sand, boulders and salt.

Members Since 2017

Big Tows Inc

Founded in 1998 by Ricardo Fijor in Spring Valley, NY. Big Tows Inc is one of the largest family owned towing companies in Rockland County representing Michelin USA and BFGoodrich. They are a NY State authorized repair facility for medium and heavy duty trucks. Their world-class service department experts are equipped with the skill and state of the art facilities to diagnose, repair and maintain your units. Headquartered in Chestnut Ridge, Big Tows also has an additional location in Ramsey, NJ to better serve their customers. With extensive experience in heavy towing and emergency recovery their drivers are WreckMaster and TRAA certified and they have expanded their fleet with specialized equipment including rotator heavy wreckers.

Members Since 2018

Koller Concrete Inc/Koller Redi-Mix Inc/Center Valley Concrete Forms Inc

Since 1981 the Koller family of companies has been serving the Lehigh Valley and surrounding areas with concrete ready mix, concrete pumping, concrete forms, concrete construction and hauling services. Owned and operated by Dale Koller and situated in the heart of Northampton County in Bethlehem, PA, Koller Concrete is ready to serve the your concrete needs.

Members Since 2018

J. Marlin Ernst & Sons Inc.

Family owned and operated since 1942 and located in Orwigsburg, PA, J. Marlin Ernst & Sons Inc specializes in the hauling of sand, stone, coal, building materials & landscaping stone. John Marlin Ernst started the company With a modern fleet of more than 20 power units, J. Marlin Ernst & Sons Inc trucking services span the states of Pennsylvania, Delaware, New Jersey & Maryland.

J. Marlin Ernst & Sons Inc. is a 3rd generation family owned and operated trucking operation specializing in the hauling of many different products for varying industries including the construction, energy & waste fields. With its roots beginning in 1942 by John Marlin Ernst with 2 trucks and a drive to succeed, today J. Marlin Ernst & Sons is located in Orwigsburg, PA and has become a leader in its industry with a modern fleet of more than 20 power units servicing the states of Pennsylvania, Delaware, New Jersey & Maryland.

Members Since 2018

C&L Auto Body
C&L Auto Body Inc t/a C&L Towing

Charles Napoli, Jr, President of C&L Auto Body & C&L Towing started out in 1984 with one tow truck. Today, the company has grown to 6 highly successful and strategically located locations with over 80 pieces of state of the art equipment and over 100 employees. C&L Auto Body has a staff that consists of I-CAR certified technicians and utilizes the latest technologies including 8 modern frame machines outfitted with the latest vision computerized frame measuring system for factory spec repairs and a computerized four-wheel alignment system. C&L Towing has the capability and versatility for any and all your needs whether it is towing, recovery, specialized hauling and/or road service. C&L’s high standards are designed to provide the best, most professional services that utilize the latest technological advancements in the industry.

Members Since 2018

Critical Supply Solutions Inc
Critical Supply Solutions Inc (CSS)

A full-scale transportation and logistics company with fleets operating across the US and Canada. Currently servicing a diverse range of national clients, including those in construction, manufacturing, medical treatment and research, and the automotive industries. Critical Supply Solutions continues to forge ahead with the latest technological upgrades for its fleet. CSS is committed to delivering the best in supply solutions to clients and the industry. They ensure that their drivers are skilled and knowledgeable regarding both freight and industry standards.

Members Since 2019

Kobalt Construction Inc
Kobalt Construction Inc.

A leading excavator and site work contractor serving Northeast Pennsylvania. Based in the Poconos, Kobalt is ideally located to work projects anywhere from the Greater Lehigh Valley to the Wyoming Valley to the Upper Delaware Valley regions and beyond. Offering a wide range of services for commercial, residential, and municipal customers including excavation, utilities, septic systems, stormwater, erosion control, curbing and sidewalks, land clearing, demolition, snow removal, and more.

Members Since 2019

WestWay Towing Inc
WestWay Towing Inc., WestWay Towing of Palm Beach Inc., Wasteline Solutions Inc.

Operating since 1990, WestWay Towing is one of Flordia’s largest and most reputable towing contractors. Serving Broward and Palm Beach Counties, WestWay Towing & WestWay Towing of Palm Beach comprise of over 50 pieces of equipment on 5 locations. WestWay is uniquely qualified to effectively accommodate the needs of the public. Distinguishing themselves by recognizing the importance of safety, courtesy, and customer satisfaction.

Wasteline Solutions provides roll-off container rental throughout South Florida. Containers come in 4 convenient sizes to fit your needs including 10, 20, 30 & 40 cubic yard dumpsters. The Wasteline team is professional, courteous, and provides the highest quality service at a competitive price.

Members Since 2020

Oilmatic Systems LLC
Oilmatic Systems LLC

Oilmatic Systems offers bulk delivery of fresh cooking oil and collects used cooking oil. Their patented system makes it easy and safe to fill and empty fryers. Located in Keasbey, NJ and operating in additional states such as FL, NV, NY, MO & AL, Oilmatic Systems was referred to us by an existing client who has experienced stability and control within their insurance program and Oilmatic wanted the same. Since 1999, Oilmatic has had 1 clear mission, to create the safest, easiest and most reliable method of supplying kitchens with high-quality bulk cooking oil.

Members Since 2021

Frequently Asked Questions

Why join a captive insurance company?

The insurance marketplace commonly goes through “hard” and “soft” cycles where premium fluctuations have little relation to individual loss experience. By pooling your resources and creating your own captive reinsurance company, these swings can be avoided, making your costs more predictable. Also, by pooling your resources, you can lower costs and retain investment income, both advantages your current insurance company retains.

Am I putting my company at financial risk by joining a group captive?

The simple answer is, No, you are not. If you were simply paying a premium into a fund in a bank and hoping your losses don’t exceed the fund, then yes, it would be very risky. Captive Resources’ client captives are structured properly, using a licensed and admitted insurance company rated A- or higher by A.M. Best, to act as the policy-issuing company and an equally strong reinsurance company to insure the catastrophic losses, so the risk is level and manageable. The captive only assumes risk in the smaller, more predictable layers.

Assuming the captive is profitable, will there be dividends? If so, when? Will there be some relationship between loss experience and dividends?

When declared by the Board of Directors, members who have profits in their respective loss funds will have these profits returned to them along with any investment income earned for that policy period. Generally, returns begin three years after the end of a policy period; this is a decision of the Board of the particular captive.

Will profitability (if any) result in a decrease in premium rather than dividends?

Funding for losses is developed by the captive’s independent actuary. Over a period of time, generally three to five years, captive pay-in premiums should decrease if losses are less than the amount being funded. Conversely, if losses exceed funding, premiums will need to be increased. If the captive Board of Directors declares a dividend from a particular member’s loss fund, members may choose to use this cash toward premium.

What problems will be addressed by Captive Resources that are not addressed through the normal insurance marketplace?

Captive Resources and Arbor Insurance Group develop specialized loss control programs tailored to members’ unique needs, special handling instructions for each member’s claim and unique coverage forms not available through the standard marketplace.

How are premiums developed?

Premiums are developed based on the last 5 years of your company’s historical information. A few major components include the last 5 years of loss history, last 5 years of exposures and last 5 years of premium history. Unlike the conventional marketplace, your premiums are NOT developed based on carrier performance, industry performance and losses; rather, premiums are developed primarily on your own company’s performance which, many times, may result in lower pay-in premiums than the conventional market.


In 1994 I was introduced to the member-owned group captive concept of insurance by attending an educational seminar sponsored by Arbor Insurance Group. The concept was new to them, as well as to me, but together we learned all we could. We were intrigued by the concept and potential benefits and decided to pursue this alternative to our conventional insurance program. After many discussions we had learned we qualified and were accepted into the captive. The captives are very discriminating as to who can enter their programs as only the cream-of-the-crop companies are accepted and equally so, Captive Resources, the captive consultant/manager is very selective when it comes to choosing what insurance brokers are able to represent their stable of captive programs. It is vital to the successful growth of the captives that they only let in the best of the best. As a long-term member of one of the largest captives I can tell you that not all insurance brokers are knowledgeable enough to truly educate prospective members on the captive concept and help them get into the right captive. Over the 20 plus years I have been working with Arbor I have gained a great deal of respect for their professionalism and knowledge in dealings with captive insurance. I would highly recommend them to anyone, and would be happy to talk to anyone who has additional questions about the value added by the advisors of Arbor Insurance Group and the captive programs of Captive Resources.

Randy L. Everett, V.P. CFO, Wilson Products Compressed Gas Co. Inc.

Arbor Insurance Group has always looked out for our company’s best interests. In doing so, they introduced us to the member-owned group captive concept. The various benefits of the concept intrigued us most specifically with the ability to gain control over our insurance program, earn back dividends from underwriting profits, stable premiums and be amongst a group of other like-minded business owners who too are committed to growth, safety and the ability to control our insurance. In 2007, ATAS International became members of one of the more well-known captived within Captive Resources which now is comprised of over 200 members across the United States. As a member for over 10 years, I can strongly encourage and recommend businesses of varying industries who are committed to and have a proven record of operating safely, to invest time into learning more about such an alternative insurance opportunity that can positively impact multiple aspects of your business including its bottom line. There are few brokers with the willingness or ability to introducer clients or prospective clients to such alternatives. Arbor Insurance Group never once hesitated in introducing this concept to ATAS, and we as a company have never wavered from our commitment to Arbor as our broker and trusted advisor. I strongly recommend both Arbor Insurance Group and the member-owned group captives of Captive Resources to those companies looking for a knowledgeable, professional and honest broker and an alternative insurance concept that can leave a very positive impact on your company.

Theodorus “Dick” A. Bus, President, ATAS International, Inc.

Arbor Insurance Group has been able to provide Baseline Contracting, Inc. with unique and cost effective alternatives to the standard insurance markets. Their service has been exceptional and the programs we are involved in provide protection against exorbitant price increases, allowing us to bid competitively without concern for future cost increases. Arbor has dealt with us professionally and has delivered on everything promised to date.

Bud Bauer, President, Baseline Contracting, Inc. / Siteline Services, Inc.

“Being a family owned and operated company we look to partner with service providers who have a similar mentality like us at Four Winds Concrete. Arbor Insurance Group displays that mentality in understanding the hard work, dedication, service, fairness and trust it takes to operate a business in today’s environment. Arbor has provided us unique and alternative ways of managing our risk as our company continues to grow. It is comforting to know that when a question, concern or problem arises, Arbor is always available and there to walk us through it. The Casilio family would happily recommend Arbor Insurance Group to any business looking for a true professional, fair and honest partner to represent their insurance and risk management needs.

Sherri Casilio, President, Four Winds Concrete, Inc. / West Truckers Franchise, Inc.

In 2016, Arbor Insurance Group approached us with the idea of joining an insurance captive. Arbor had been representing our company with commercial insurance for quite a few years and felt that it would be a good fit for us. We attended a meeting to learn about the concept. We were quite skeptical at first and asked a ton of questions. The team at Arbor was very patient and committed in answering them. It took us a year to get comfortable but we eventually decided that Arbor was right and made the decision to join the captive in August 2017. We’ve not regretted the decision. We were able to join the captive for a little less premium than we were already paying commercially and gained a lot of control over our future rates with good loss history. We look forward to a long relationship with Arbor and the captive we are an owner/member of. It’s been the best insurance move we’ve ever made and for the first time ever I’ve been somewhat enthused about buying insurance. We love working with Arbor as well as the folks in our particular captive. Their integrity, service commitment and professionalism are second-to-none.

Carl Swartentruber, Owner, Green Acres Outdoor Living, LLC.

We have been utilizing Arbor Insurance Group as our company’s insurance agency of choice for over 6 years now. To date, Arbor has expeditiously handled our account and has been professional and ethical in every aspect of their relationship with us. Every company hopes to have the opportunity to develop such a relationship with a service provider and I am more than happy to say the team at Arbor has become one of our company’s most trusted advisors. Arbor introduced the concept of a member owned group captive to our company a couple of years ago. The multitude of benefits discussed at the time during the educational seminar were very intriguing given the constant battle to keep traditional premiums from increasing in spite of having an excellent loss record. The potential to stabilize our premiums, realize a potentially significant return based on our company’s low loss levels, the ability to be a part of a group of safe and like-minded individuals and to finally experience the control over our insurance future led us to commit to and enter one of Captive Resources’ most well-known captive programs. As a newer member to the captive, I have no concerns with our future insurance programs thanks to the education and confidence both Arbor Insurance Group and Captive Resources provided to me. I have worked with and heard from many brokers in my 30+ years of doing business and can truthfully say there are little to no brokers with the knowledge, willingness or ability to bring such a concept forward to a company such as Wolverine Constructors. If you are a company considering an alternative such as a member owned group captive, I strongly encourage the use of Arbor Insurance Group as your source.

Robert Montgomery, President, Wolverine Constructors, Inc.