Through the use of proprietary risk assessment tools, we empower individuals and businesses to engage in the custom design of plans to address areas unique to their needs. Ultimately, our process allows us to make our clients more attractive to the insurance marketplace, providing them greater control of their risk profile, insurance premiums and the total cost of risk. Through our Work Comp Coach program, the D’Camera Group teaches advanced offensive and defensive strategies to manage the Total Cost of Work Comp. Your Workers Compensation Experience Modification Factor is the primary factor used to determine your cost of coverage. Controlling the Experience Mod is therefore the most effective way to positively impact your bottom line. Using our proprietary DAPPER PROCESS™, we assess 13 different aspects of your work comp program and engage with you to develop and implement a plan to drive outcomes in each of these areas. Captive Insurance- Captive insurance companies are established with the specific objective of financing risks emanating from their parent group or groups. Captives provide companies with coverage they need but otherwise would be unable to obtain through the traditional insurance market, thereby reducing the high cost of insurance to large corporations, but they are also an effective vehicle for wealth transfer and asset protection . Businesses form their own insurance company subsidiary to finance their retained losses in a formal structure. Here at the D’Camera Group, our Captive Insurance Program is domiciled in the State of Delaware. Delaware’s series entity captive program combines the best of Delaware’s business entity law with forward looking methods of risk transfer and is one of the most progressive and customizable captive programs in the country.