Don't just rent your insurance. Own it.
Horizon Captive is a privately held, fully transparent self-funding solution free from hidden incentives.
We help employers take control of their second-largest expense by replacing the status quo with active ownership and claims management.
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Through effective cost containment and risk mitigation, we help create healthier employers and employees.
A better way to structure risk
Move away from the fully insured "black hole." We combine the stability of a large group with the financial rewards of self-funding.
Leveraging the expertise of Houchens Insurance Group to provide a stable, independent alternative to the big carriers.
We only answer to our members. This ensures that every decision benefits your long-term stability, not a stock price.
We are free to choose best-in-class partners based on performance, not carrier contracts. Do what works.
We don't wait for renewal season to address problems. When high-cost claims arise, we work to mitigate the impact.
