Alternative Risk Underwriting (ARU) is a privately held, independent company that provides member owned group captive and alternative risk solutions for mid-sized businesses across North America. ARU designs and manages group captive solutions for private and closely held public companies that have a better than average loss experience, solid financial condition and multi-line premiums between $200,000 and $3 Million. We work with brokers to provide an alternative to expensive fixed cost insurance for their clients and prospects ARU specializes in captive insurance programs for health benefits & primary casualty lines of business (workers compensation, general and product liability, commercial auto). Commercial property, business interruption, D&O and other coverage’s may also be included in our captive programs. Our team of professionals are industry specialists that average over 15 years of experience with technical expertise in the following areas; captive insurance solutions, casualty underwriting, health benefits, property underwriting, reinsurance, actuarial science, information technology, alternative and capital markets, claims and loss control management, commercial insurance and risk management sales and marketing.