I–RE Miami is an insurance and reinsurance underwriting agency (an MGU), program manager and Lloyd’s coverholder. We empower business owners to take risk and earn reward. Our RE–PAID product is the alternative P&C insurance that independent agents/brokers have been seeking for high-performing mid-market business owners. For the first time, they can now insure their own property and casualty insurance risks using a captive – an option previously enjoyed exclusively by large companies – saving up to 50%*, controlling their own claims and generating underwriting profit in a captive re/insurance company they own. * Up to 50% of gross written premium can be paid to the captive to reduce the total cost of risk to the client. Each client is underwritten individually and savings vary depending on the nature of the risk, claims experience, captive risk appetite, operating expenses and claims incurred. Underwriting risk in a captive insurance company involves exposure to the risk of loss as well as the opportunity for underwriting profit. Santee Risk Managers LLC, dba I–RE Miami