Crumdale Specialty (Crumdale) launches Crumdale Captive Solutions, a next-generation protected cell captive domiciled in South Carolina. The platform is designed to provide mid-market employers with a self-funded strategy for healthcare renewals. According to the firm, the group captive approach offers visibility into claims and cost drivers, flexibility in plan design and the opportunity to participate in underwriting gains. The launch is an extension of Crumdale’s Integrated Health model, an ecosystem designed to simplify self-funding and deliver the lowest net cost of care. The captive is owned by Crumdale and aims to help employers move away from traditional fully insured models. Matthew Naylor, founder and CEO of Crumdale Specialty, says: “Mid-market employers have long been at the mercy of unpredictable rate hikes with limited insight into their claims data or cost drivers.” Naylor adds: “From day one, Crumdale has focused on financing healthcare risk by optimising and integrating self-funded solutions. Our group captive is a natural extension of that strategy—offering an additional layer of risk financing for employers ready to take greater control.” The firm, based in Paoli, Pennsylvania, recently formed an inaugural Captive Broker Advisory Board to guide product development and growth strategy following a dedicated broker seminar. Naylor concludes: “This isn’t just a captive. It’s a movement—built on trust, fuelled by partnership, and designed for the long game.”
