Has This Actually Worked?
Yes. At scale. For sophisticated institutional clients. For nearly a decade.
This Is Not a Concept.
These are not projections built for a pitch deck. They are results.
Average savings on total property premiums for a Large Public REIT. Over 8 years. WLP implemented the Primary Program for this client — one of the largest publicly traded REITs in the Washington, D.C. market.
Projected savings on total property premiums for Private Development & Property Company. Program launched in 2025. WLP implemented both the Primary Program and the Tenant Legal Liability Program for this client — a well known Company operating for 60 years in the Washington D.C. market.
Programs That Work Tend to Stay.
Captive insurance programs in the United States renew at a rate of approximately 99%. That is not a coincidence. When a program is structured correctly and performing as designed, there is no rational reason to abandon it. The economics compound over time — loss history builds, the reserve matures, and the relationship with the excess carrier strengthens.
The first year is the hardest. After that, the program runs.
How a Program Gets Built