• Stability & Control
    Greater control of your insurance budget through premium stabilization
  • Committed To Helping You Achieve Your Insurance Goals
    Each captive owner appoints a Director of the Company allowing for maximum input into insurance company operations
  • Control Your Insurance Destiny
    Net investment income from each owner’s distinct loss fund and potential profits can accrue to that owner’s bottom line

Welcome to Titan Insurance, Ltd.

Titan Insurance, Ltd. (Titan) began operations on February 1, 2014, to provide heavy construction contractors with a more customized, affordable and stable insurance alternative. The mission of Titan is to provide the highest quality insurance protection for its non-related shareholders.

The Company is licensed in the Cayman Islands to reinsure risks from the policy issuing company rated A or better by A.M. Best. The policy issuing company is licensed and admitted, providing coverage to the membership in the United States. The types of coverage reinsured by Titan are Workers' Compensation, General Liability, Automobile Liability and Physical Damage.

Titan is a homogeneous member-owned group captive targeting best-in-class, safety-focused contractors and service companies, including but not limited to the areas of Steel Erection, Heavy Highway Construction and Maintenance, Bridge Construction and Maintenance, Scaffolding Contractors, Industrial Contractors, Utilities Contractors, and Demolition Contractors.

Titan Insurance, Ltd. Facts & Figures (as of 6.15.2024)

Number of Members: 132 members
Annual Premiums: $121.7 million
Captive Retention: $500,000
Lines of coverage: Workers' Compensation, General Liability, Automobile Liability and Physical Damage
A Fund: $0-$100,000
B Fund: $100,001-$500,000
Primary Auto Limits: $5 million
Primary GL Limits: $5 mil / $10 mil / $10 mil
Allocated Loss Adjustment Expenses: Capped
Aggregate Excess: Unlimited

Membership Criteria

Because each member of Titan Insurance, Ltd. is an owner, the following criteria has been established to ensure the quality of membership and long-term strength of the Company:

  1. Management Commitment to Safety and Claims Management
  2. Financially Strong Company
  3. Loss Experience Better Than Average for Industry Group
  4. Business Philosophy Compatible with Titan Insurance, Ltd.