Captive Insurance Strategies For SME’s – Why It Might Suit Your Business 

Captive insurance strategies are not just for Fortune 500 companies.

Captive insurance strategies for SME’s are possible and ALIGNED works with each client to find a customized way to best protect their balance sheet, cash flow and profitability.  Solutions often involve purchasing traditional insurance, but in some cases alternative risk financing strategies such as captive insurance companies and reciprocals can be the best option.

While large Canadian corporations have known about captive insurance solutions for years and have taken advantage of these arrangements, captive insurance solutions can work for some smaller and mid-sized (SME/SMB) Canadian companies as well.

An ALIGNED Advocate can provide expert guidance about Captive insurance strategies for SMEs and alternative risk transfer solutions as well as risk management best practices for your organization.

Talk to one of our advocates today about how we can help you secure the best products, services and insurance solutions for your business.



ALIGNED specializes in delivering insurance and risk management solutions exclusively to Canadian businesses. Through our 18 points of differentiation and expertise, we deliver unmatched value to our growing portfolio of clients from all industries that range from small to large organizations. We offer all of the following management liability products:

  • Board Insurance / Directors and Officers (D&O) Insurance
  • Employment Practices Liability (EPL) Insurance
  • Fiduciary Liability Insurance
  • Property Insurance – including Business Interruption & Extra Expense
  • Machinery Breakdown / Boiler & Machinery Insurance
  • The course of Construction (COC)
  • Wrap-up Liability Insurance
  • Commercial General Liability / CGL Insurance
  • Pollution Liability Insurance
  • Commercial Automobile & Fleet Insurance
  • Umbrella Liability Insurance
  • Cyber, Hacking & Privacy Liability Insurance
  • Crime / Fidelity / Employee Theft Insurance
  • Professional Liability / Errors & Omissions (E&O) Insurance
  • Kidnap & Ransom Insurance
  • Representations & Warranty Insurance
  • Trade Credit
  • Surety & Bonding
ALIGNED Across Canada   100% Canadian owned, ALIGNED is a premiere insurance brokerage that serves more than 1,400 clients across the country. ALIGNED’s offices in Toronto, Calgary and Vancouver are supported by a national operations centre in Cambridge, Ontario. Uniquely within the industry, ALIGNED creates, negotiates and delivers the best business insurance and risk management strategies/solutions to organizations like yours.

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