The Breckpoint Captive is a hybrid group captive where a client can get the best of both worlds:

Breckpoint offers a variety of turnkey solutions in the Property and Casualty space. Clients have the flexibility to choose their risk retention based on the unique profile for their business. Clients may elect to share risk with a group but also remain individually protected. Breckpoint® currently offers captive options in the workers' compensation, auto liability, auto physical damage, and general liability lines, with more always being added. One or multiple lines can be elected as well as electing to participate in risk-sharing options. Clients can join already existing programs, or Breckpoint® can design new programs to fit a client's needs. In Breckpoint's unique captive structure, clients have the option to write P&C and Employee Benefits. No capital requirements and lower than industry average collateral are required to join.