Specialized Excess and Umbrella. Built for Performance.
The excess and umbrella market keeps getting harder. As exposures grow and excess insurance market capacity tightens, organizations are paying more for coverage while facing greater challenges in securing higher limits. CaptiveXS offers a steadier way forward, one built to reduce losses and lower the total cost of risk
Developed by Innovative Program Solutions (IPS), CaptiveXS is a specialized excess and umbrella program built for a disciplined, performance-driven risk environment. It is available exclusively to qualified clients within an established ICS captive structure, giving those organizations a real alternative to the volatility of the traditional marketplace.
Named 2026 New Program Launch of the Year by the Thomson Reuters Program Manager Awards.
Disciplined Risk. Stable Outcomes.
CaptiveXS works because of the environment it sits in. The program complements a well-managed underlying insurance framework, and it focuses entirely on organizations operating within a group captive model.
Members of an ICS captive are carefully vetted and aligned around shared best practices. They own their risk, which gives them real skin in the game and a direct stake in every loss they prevent. That ownership keeps accountability high. The strong, consistent performance it produces is exactly what lets the excess layer price with stability.
The result is coverage that does more than transfer risk. It becomes a working part of an organization’s broader risk management strategy with:
Greater pricing stability in a challenging market
Access to meaningful coverage limits
Consistency in underwriting and claims philosophy
Alignment between insureds, program managers, and carrier partners
Tailored Coverage. Meaningful Limits.
CaptiveXS is designed to address complex risk while staying flexible and responsive to client needs. Coverage is built to sit above well-managed primary layers, protecting members against larger and more severe loss scenarios.
Key Features of the Program:
- Excess and umbrella liability coverage
- Limits up to $10 million on a lead excess basis
- Monoline excess and umbrella structure
- National availability, subject to underwriting guidelines
Specialized Expertise. Targeted Industries.
The program has built strong momentum in industries that value structured risk management and operational discipline. Construction and contracting make up a significant share of the book, a natural fit for the captive model, though CaptiveXS also writes non-construction classes with similar rigor.
Core industries include:
- Commercial general contractors
- Excavation and concrete operations
- HVAC, plumbing, and electrical services
- Street and road work (non-elevated)
- Water and sewer pipeline construction
- Structural steel erection
- Industrial machinery and equipment
CaptiveXS is best suited for organizations with a proactive safety culture, a strong loss history, and a long-term view of their risk strategy rather than a focus on short-term pricing. Some exposures fall outside the program’s appetite, which protects the consistency of the overall risk pool. As demand for stable excess and umbrella solutions grows, the program continues to expand its footprint across agencies and clients.
Stability in a Shifting Market
Excess and umbrella buyers have felt real pressure in recent years: shrinking capacity, rising premiums, tighter terms, and limited access to high-limit coverage. CaptiveXS answers those challenges with a controlled, structure alternative.
Because the program draws from a high-quality, well-managed risk pool, it delivers a level of stability that is hard to find in the open market. That stability runs through the entire relationship, from a reliable underwriting approach and a predictable renewal process to transparent performance metrics and the kind of continuity members can plan around.
Selective by Design
CaptiveXS is intentionally a closed program, available only to the established captives of ICS. Participation is limited to qualified organizations within that framework, which keeps every stakeholder aligned. Because of this, CaptiveXS is not broadly marketed or available through traditional channels. This selective approach:
Protects underwriting integrity
Fosters collaboration among members
Supports sustainable, high-quality outcomes
Let’s Build Something Exceptional
CaptiveXS is built for organizations seeking a more strategic and stable approach to excess and umbrella coverage. Submissions are coordinated through participating partners and follow set timelines that allow for thorough underwriting and review.
- Renewals: Approximately 60 days prior to effective date
- New Business: Approximately 30-45 days prior to effective date
Early engagement is encouraged to allow for a comprehensive review and alignment with program parameters. To start a conversation, connect with the CaptiveXS team through your participating partner.
