A Smarter Way to Insure Your Business
Captive Insurance Built for Control, Savings, and Growth
Turn your insurance expense into a strategic advantage. First Heritage helps New York businesses launch, manage, and scale their own captive insurance programs — with expert support every step of the way.
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What is Captive Insurance?
Captive insurance allows your business to form its own licensed insurance company to cover internal risks — rather than purchasing traditional policies from outside carriers. This gives you greater control, potential cost savings, and even profit return through underwriting performance.
Captive programs are increasingly popular among mid-sized and growing companies looking for stability in today’s unpredictable insurance market.
Why Businesses Choose Captive Insurance
Captive Insurance is a win for businesses for the following reasons:
- Reduced total cost of risk (TCOR)
- Stronger cash flow management
- Retained profits via favorable loss performance
- More control over claims and underwriting
- Better alignment between operations and coverage
Benefits of Choosing First Heritage
Deep Industry Expertise
Proven success in commercial underwriting and risk control
Data-Driven Strategy
Leverage analytics to guide pricing, reserves, and structure
Regulatory Knowledge
Navigate state-specific licensing with the utmost confidence
Integrated Programs
Seamless bundling of Workers' Comp and Commercial Auto into one captive solution
Trusted by Business Owners and Families Alike
4.9 ratings of 50k+ Long Island insurance clients
Jamira Minton
Home Insurance
I was referred by my best friend , and once I called in I received good customer service. I was assigned to Brandon as my agent and he was really great . He was well informative and served me with great service. I will always have him by my side and I am happy I called and switch my insurance with them .
Anthony Wofford
Auto Insurance
Kyle was my guy. Made my experience absolutely great and I’m happy to have him as my contact going forward. I was looking into new insurance quotes that saves me hundreds per month. It was an absolute no-brainer. He was quick, thorough, didn’t waste my time, made the process smooth and very friendly. Highly recommend!!
Christian raphael
Business Insurance
My guy Brandon Blood is not only professional but he a very real honest person looking out for the best for his clients I been in communication with him for years for any of my insurance needs and he always has the same attitude and is always down to help. Thank you sir!
Partners & Affiliations
We partner with some of the most respected insurance carriers in the industry to bring you reliable coverage and peace of mind.
Why New York Trusts First Heritage
At First Heritage Insurance Agency, we combine over 20 years of commercial risk experience with specialized captive program design and regulatory navigation. We know New York’s insurance landscape — and we make the process manageable and clear.
- Local Expertise, Personalized Coverage
- Fast Turnaround for Fleet & Business Clients
- Affordable Rates with Top Carriers
- Dedicated Agent Support