We Offer Specialized Insurance for Construction and Renewable Energy Innovators

Whether you're grading rugged terrain, installing solar farms under the sun, or laying conduit for tomorrow's infrastructure, construction comes with risks. That's where we come in. Our insurance solutions are designed specifically for land improvement contractors handling paving, sewer systems, water lines, excavation, and more, as well as renewable energy specialists building wind farms and solar installations. With decades of industry expertise, we provide tailored policies that cover everything from equipment breakdowns to environmental liabilities—ensuring your business thrives without interruptions.

At DEJ Insurance, we understand the unique and complex risks involved in building renewable energy infrastructure. That's why we specialize in construction insurance for windmills, providing comprehensive coverage tailored to the intricacies of wind farm development in California. From safeguarding against property damage and equipment breakdowns to addressing liability and project delays, we're dedicated to ensuring your wind energy ventures are protected every step of the way.

What We Do

With research and input from contractors in the land improvement industry, we have put together a program that will be beneficial to your company.Our LAND IMPROVEMENT CONTRACTORS INSURANCE PROGRAM was specifically created to insure those risks unique to land improvement contractors such as:Subsidence
Underground Property Damage
OCIPIn addition to the specialty coverages listed above, we offer the following:General Liability
Property
Automobile
Inland Marine
Worker's Compensation

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At DEJ Insurance, we understand the unique and complex risks involved in building renewable energy infrastructure. That's why we specialize in construction insurance for windmills, providing comprehensive coverage tailored to the intricacies of wind farm development in California. From safeguarding against property damage and equipment breakdowns to addressing liability and project delays, we're dedicated to ensuring your wind energy ventures are protected every step of the way.

Services

Group Captive Insurance

A Strategic Insurance Solution for Well-Run Businesses

What is Group Captive Insurance?

A group captive insurance program is an insurance structure owned by a group of independent businesses with similar risk profiles. Instead of paying all premiums to a traditional carrier, members participate in the underwriting results of the program.In a group captive:
+Members pay premiums into a captive structure
+Each company retains a defined layer of risk
+Excess losses are protected through reinsurance
+Favorable loss performance can generate surplus and dividendsThis approach aligns cost with performance and rewards companies that invest in safety, claims management, and operational discipline.Group captives are most commonly used for workers’ compensation, general liability, and auto liability, particularly in California’s challenging insurance market.
For many California businesses, traditional commercial insurance has become increasingly unpredictable—rising premiums, reduced carrier appetite, and little recognition for strong safety performance. Group Captive Insurance offers an alternative model designed for disciplined companies that want greater control, transparency, and long-term stability in their insurance program.At DEJ Insurance, we take a conservative, advisory-first approach to group captive insurance. Our role is to help you determine whether a captive is truly appropriate for your business, guide you into a well-structured program, and support you over the long term.

How Group Captive Insurance Works

While program structures vary, most group captives follow a similar process:Qualification & Analysis – Claims history, payroll, financial strength, and safety practices are reviewed.Program Placement – Qualified companies join a captive with comparable, well-managed peers.Risk Sharing Model – Members share underwriting risk up to a defined limit, with reinsurance above that level.Performance-Based Outcomes – Strong loss results can produce underwriting profits returned to members over time.Group captives are not self-insurance and are not suitable for every business. They are designed for organizations that take a long-term, disciplined approach to risk management.

Is Group Captive Insurance Right for Your Company?

Group captive insurance is best suited for well-managed companies that take a disciplined, long-term approach to risk. These programs are typically a strong fit for businesses that:+ Operate in California or multi-state environments+ Maintain consistent payroll and revenue+ Have a favorable or improving loss history+ Invest in employee safety and training+ Are frustrated with unpredictable premium increasesIndustries commonly well-suited for group captives include construction, trucking and transportation, manufacturing, logistics, and agriculture.

DEJ is your premier Group Captive Insurance Partner

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