Bespoke cover. Without building an insurer.

A cell captive lets a business get cover built around its own risk, without setting up and capitalising an insurer. You access an existing licensed structure instead of establishing one.

Where it fits: groups with a homogeneous risk pool, franchise networks, associations, and businesses whose loss history is better than the market rate they are being charged.

What we do: we look at whether a cell is genuinely appropriate, or whether conventional cover is the honest answer. We do not push structures for their own sake, and we do not quote fee percentages on a web page.

How we work: send your loss history and current programme. Ten working days, a written diagnostic. We do not dual-quote. Appointment or a written investigation mandate first.

DG Brokers is an independent short-term broker, FSP 1233. Contact us to start.