{"id":10656,"date":"2024-09-28T11:42:56","date_gmt":"2024-09-28T11:42:56","guid":{"rendered":"https:\/\/demo.awaikenthemes.com\/levis\/?page_id=9"},"modified":"2025-12-03T12:16:49","modified_gmt":"2025-12-03T17:16:49","slug":"home","status":"publish","type":"page","link":"https:\/\/www.parrishandgwinn.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10656\" class=\"elementor elementor-10656\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42b0785 page-hero-lg e-flex e-con-boxed e-con e-parent\" data-id=\"42b0785\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-407a7af e-con-full e-flex e-con e-child\" data-id=\"407a7af\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6cfddc at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"e6cfddc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Commercial  <span> insurance solutions <\/span> for your business<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99ca6c7 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"99ca6c7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"section-title\"><p class=\"wow fadeInUp\">Parrish &amp; Gwinn is an alternative insurance provider focused on strengthening &amp; sharing our group captive expertise.\u00a0<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e295013 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e295013\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f15766 elementor-widget-mobile__width-initial hero-btn-default elementor-align-center elementor-widget elementor-widget-button\" data-id=\"0f15766\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's Connect<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff3ef50 e-con-full e-flex e-con e-child\" data-id=\"ff3ef50\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08c82df elementor-view-stacked elementor-position-left elementor-widget__width-initial elementor-mobile-position-left company-support-item  elementor-shape-circle elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"08c82df\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-medal\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGroup Captive Commercial Insurance <b>Experts<\/b>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64efbd2 elementor-view-stacked elementor-position-left elementor-widget__width-initial elementor-mobile-position-left company-support-item  elementor-shape-circle elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"64efbd2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHelping <b>BEST IN CLASS<\/b> businesses control costs and generate wealth.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0b91dfe e-flex e-con-boxed e-con e-parent\" data-id=\"0b91dfe\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fa78650 e-con-full e-grid e-con e-child\" data-id=\"fa78650\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a83ff40 at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"a83ff40\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"677\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256-1024x866.jpg\" class=\"attachment-large size-large wp-image-11331\" alt=\"Parrish and Gwinn Office Staff\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256-1024x866.jpg 1024w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256-300x254.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256-768x649.jpg 768w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256-1536x1299.jpg 1536w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/12\/Office-Picture-2025-scaled-e1764616184256.jpg 1715w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91adc92 at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"91adc92\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-10714\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1-1024x683.jpg 1024w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1-300x200.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1-768x512.jpg 768w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1-1536x1024.jpg 1536w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI_-1920x1280-1.jpg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e778e7d elementor-widget elementor-widget-spacer\" data-id=\"e778e7d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5012eb6 e-con-full e-flex e-con e-child\" data-id=\"5012eb6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d41fd7 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3d41fd7\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">about us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-691e440 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"691e440\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span>Group captive<\/span> insurance solutions<\/span> for  <span>Best In Class <\/span> businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a77049e elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a77049e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We offer savvy business owners with a good claims history alternative methods to insure their operations with enhanced coverage&#8217;s coupled with \u201cfair\u201d premiums to pay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-220fe1d e-con-full e-flex e-con e-child\" data-id=\"220fe1d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2671654 e-con-full e-flex e-con e-child\" data-id=\"2671654\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b344e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"77b344e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-checkmark\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Better Coverage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-checkmark\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Control Costs<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-checkmark\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Generate Wealth<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-square\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Risk Managment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dce6bb1 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dce6bb1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/about-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">More About Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afbbba0 elementor-widget elementor-widget-spacer\" data-id=\"afbbba0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1d134a elementor-widget elementor-widget-spacer\" data-id=\"b1d134a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-297f550 e-con-full e-flex e-con e-child\" data-id=\"297f550\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-491a057 elementor-widget elementor-widget-counter\" data-id=\"491a057\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Retention Rate<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"99.7\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf5b995 elementor-widget elementor-widget-counter\" data-id=\"cf5b995\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Carrier Parnerships<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"500\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7604cd9 e-flex e-con-boxed e-con e-parent\" data-id=\"7604cd9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-873b634 e-con-full e-flex e-con e-child\" data-id=\"873b634\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eb5f0a3 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"eb5f0a3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f613fe elementor-widget elementor-widget-spacer\" data-id=\"8f613fe\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc999f4 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"cc999f4\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nAn alternative <span> insurance <\/span> provider<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d2e007 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"1d2e007\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a0<\/p><p>Our comprehensive insurance services are <span class=\"wixui-rich-text__text\">focused on strengthening &amp; sharing our group captive expertise. Our professional abilities have propelled our success in the following disciplines:<\/span><\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\"><span class=\"wixGuard wixui-rich-text__text\">\u200b<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46f38b2 e-con-full e-grid e-con e-child\" data-id=\"46f38b2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-36a884d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"36a884d\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01d5cce services-items ekit-equal-height-disable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"01d5cce\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-  gradient-active  hover_from_bottom\">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon fas fa-building\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Group Captives                <\/h3>\n                        \t\t  \t<p>A commercial group captive is an insurance structure where multiple businesses pool resources to self-insure their property risks including General Liability, Workers Compensation, and Commercial Auto coverage.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b70129 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"7b70129\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39d3d68 services-items ekit-equal-height-enable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"39d3d68\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-  gradient-active  hover_from_bottom\">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon fas fa-heartbeat\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Group Health Captives                <\/h3>\n                        \t\t  \t<p>A group health captive is a self-funded insurance solution where multiple employers pool their health risks to achieve cost savings, greater control, and improved coverage flexibility.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3197b6 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"f3197b6\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c6b634 services-items ekit-equal-height-enable elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"6c6b634\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-  gradient-active  hover_from_bottom\">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-Family\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h3 class=\"elementskit-info-box-title\">\n                    Life Insurance                <\/h3>\n                        \t\t  \t<p>Life insurance is essential for business owners providing financial protection for their families and ensures business continuity in the event of their passing<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82bb07b e-flex e-con-boxed e-con e-parent\" data-id=\"82bb07b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cad2d64 e-con-full e-flex e-con e-child\" data-id=\"cad2d64\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3b1a12e e-con-full e-flex e-con e-child\" data-id=\"3b1a12e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afd630b section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"afd630b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">why choose us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86dac02 elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"86dac02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why you should choose <span>Parrish &amp; Gwinn Insurance Group<\/span>\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad44170 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"ad44170\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\">At Parrish &amp; Gwinn Insurance Group, we understand the importance of cost and risk and how they are related to one another.\u00a0 We pride ourselves on showing our new and prospective clients that they have been paying too much to insure their operations.\u00a0 Plus, the coverage is not adequate.\u00a0 Please see the case studies on this website to prove this point.\u00a0 Our programs save our clients tremendous amounts of money (65%) over time.\u00a0 We know this because we have collected real time data over the past 25 years to prove it.\u00a0 Our programs are permanent long term solutions and every one of our clients are available for references.\u00a0 Our retention rate is 98%.<\/span><\/p><p class=\"font_8 wixui-rich-text__text\"><span class=\"wixui-rich-text__text\"><span class=\"wixGuard wixui-rich-text__text\">\u200b<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-acf2e90 e-con-full e-flex e-con e-child\" data-id=\"acf2e90\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-539886a e-con-full e-flex e-con e-child\" data-id=\"539886a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37cbd19 elementor-view-stacked elementor-position-left elementor-vertical-align-middle elementor-widget__width-initial elementor-mobile-position-left why-choose-icon-box  elementor-shape-circle elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"37cbd19\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-shield\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAdequate Coverage\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64fcfb9 elementor-view-stacked elementor-position-left elementor-vertical-align-middle elementor-widget__width-initial elementor-mobile-position-left why-choose-icon-box  elementor-shape-circle elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"64fcfb9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCost Effective\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b52728 elementor-view-stacked elementor-position-left elementor-vertical-align-middle elementor-widget__width-initial elementor-mobile-position-left why-choose-icon-box  elementor-shape-circle elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"4b52728\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-clipboard-list\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClaims Management\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c76d8dd elementor-view-stacked elementor-position-left elementor-vertical-align-middle elementor-widget__width-initial elementor-mobile-position-left why-choose-icon-box  elementor-shape-circle elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"c76d8dd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-award\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExceptional Customer Service\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ff95840 e-con-full e-flex e-con e-child\" data-id=\"ff95840\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1b7dc26 e-con-full why-choose-images e-flex e-con e-child\" data-id=\"1b7dc26\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06a8178 image-anime at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"06a8178\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1300\" height=\"1280\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/PGI_-1920x1280-2-e1738621675960.jpg\" class=\"attachment-full size-full wp-image-10769\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/PGI_-1920x1280-2-e1738621675960.jpg 1300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/PGI_-1920x1280-2-e1738621675960-300x295.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/PGI_-1920x1280-2-e1738621675960-1024x1008.jpg 1024w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/PGI_-1920x1280-2-e1738621675960-768x756.jpg 768w\" sizes=\"(max-width: 1300px) 100vw, 1300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a57f6 elementor-widget elementor-widget-spacer\" data-id=\"03a57f6\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39bd5f6 elementor-align-center elementor-invisible elementor-widget elementor-widget-button\" data-id=\"39bd5f6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's Connect!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aed956 e-flex e-con-boxed e-con e-parent\" data-id=\"3aed956\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d83e463 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d83e463\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-013354b e-con-full e-flex e-con e-child\" data-id=\"013354b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d323a20 elementor-widget__width-initial counter-item elementor-widget elementor-widget-counter\" data-id=\"d323a20\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">years in business<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab961d8 elementor-widget__width-initial counter-item elementor-widget elementor-widget-counter\" data-id=\"ab961d8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Collective Client Sales<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">$<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"2.5\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ BIL<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf79a3 elementor-widget__width-initial counter-item elementor-widget elementor-widget-counter\" data-id=\"1bf79a3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Retention Rate<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"99.7\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34a94d0 elementor-widget__width-initial counter-item elementor-widget elementor-widget-counter\" data-id=\"34a94d0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Carrier Partnerships<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"500\" data-from-value=\"0\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-90af8fe e-flex e-con-boxed e-con e-parent\" data-id=\"90af8fe\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f53c38f e-con-full e-flex e-con e-child\" data-id=\"f53c38f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62459c0 section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"62459c0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meet Our Team<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72a63dc elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"72a63dc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We're here to help, <span>Let's get started!<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a53cf3 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"8a53cf3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Explore the standout features of our insurance plans, designed to offer you comprehensive protection, flexible options, and exceptional service.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7110e68 elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-image-carousel\" data-id=\"7110e68\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;4&quot;,&quot;speed&quot;:600,&quot;navigation&quot;:&quot;both&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;infinite&quot;:&quot;yes&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/2-300x300.png\" alt=\"Mark Parrish, Parrish &amp; Gwinn Insurance\" \/><figcaption class=\"elementor-image-carousel-caption\">Mark Parrish<br>CEO<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/3-300x300.png\" alt=\"Hillary Parrish, Parrish &amp; Gwinn Insurance\" \/><figcaption class=\"elementor-image-carousel-caption\">Hillary Parrish<br>President<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/11-300x300.png\" alt=\"Michelle JohnsonAccount Manager\" \/><figcaption class=\"elementor-image-carousel-caption\">Michelle Johnson<br>Account Manager<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/6-300x300.png\" alt=\"Morgan WoodDirector of Account Management\" \/><figcaption class=\"elementor-image-carousel-caption\"> Morgan Wood<br>Director of Account Management<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12-300x300.png\" alt=\"Emily KubilusDirector of Property &amp; Casualty Services\/  Claims Consultant\" \/><figcaption class=\"elementor-image-carousel-caption\">Emily Kubilus<br>Director of Property &amp; Casualty Services\/  Claims Consultant<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/4-300x300.png\" alt=\"Savannah MillionSenior Account Manager\" \/><figcaption class=\"elementor-image-carousel-caption\">Savannah Million<br>Senior Account Manager<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/7-300x300.png\" alt=\"Larry BranchCaptive Consultant\" \/><figcaption class=\"elementor-image-carousel-caption\">Larry Branch<br>Captive Consultant<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/5-300x300.png\" alt=\"Rodney CattertonCaptive Consultant\" \/><figcaption class=\"elementor-image-carousel-caption\">Rodney Catterton<br>Captive Consultant<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/10-300x300.png\" alt=\"MyLeah BarriteauCaptive Health Insurance Manager\" \/><figcaption class=\"elementor-image-carousel-caption\">MyLeah Barriteau<br>Captive Health Insurance Manager<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/9-300x300.png\" alt=\"Terri RiserCaptive Health Insurance Manager\" \/><figcaption class=\"elementor-image-carousel-caption\">Terri Riser<br>Captive Health Insurance Manager<\/figcaption><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 of 11\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/8-300x300.png\" alt=\"Justin ParrishAccount Manager\" \/><figcaption class=\"elementor-image-carousel-caption\">Justin Parrish<br>Account Manager<\/figcaption><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4da7cf9 e-con-full e-flex e-con e-child\" data-id=\"4da7cf9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac825a1 elementor-view-stacked elementor-vertical-align-middle elementor-widget__width-initial support-team-icon-box elementor-mobile-position-left elementor-shape-circle elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"ac825a1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"tel:8037991160\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Call us now:\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-smartphone\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"tel:8037991160\" >\n\t\t\t\t\t\t\tCall us now:\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\t803-799-1160\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f341afe e-con-full e-flex e-con e-parent\" data-id=\"f341afe\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-44f1cae e-con-full e-flex e-con e-child\" data-id=\"44f1cae\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-566c8fc e-con-full e-flex e-con e-child\" data-id=\"566c8fc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e095d65 at-image-animation at-animation-image-none elementor-widget elementor-widget-image\" data-id=\"e095d65\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2024\/10\/post-1-1024x576.jpg\" class=\"attachment-large size-large wp-image-7024\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2024\/10\/post-1-1024x576.jpg 1024w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2024\/10\/post-1-300x169.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2024\/10\/post-1-768x432.jpg 768w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2024\/10\/post-1.jpg 1366w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c6cb0b section-title at-heading-animation at-animation-heading-none elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4c6cb0b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">faqs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f4432e elementor-widget-tablet__width-inherit elementor-widget-mobile__width-inherit at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"6f4432e\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently <span> asked <\/span> questions\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc8a5ff elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"dc8a5ff\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Explore our Frequently Asked Questions for quick answers the basics of captive insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c05e42e e-con-full e-flex e-con e-child\" data-id=\"c05e42e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de42b18 elementor-position-left faqs-icon-box-item elementor-mobile-position-left elementor-view-default elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"de42b18\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t25+ Years of Experience and Expertise\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe have a proven track record successfully managing captive insurance programs with specialized knowledge in captive insurance, including regulatory requirements, tax issues, and claims management.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-251b687 elementor-position-left faqs-icon-box-item elementor-mobile-position-left elementor-view-default elementor-vertical-align-top elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"251b687\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRisk Managment Support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOur firm offers risk management consulting and assistance with loss control programs, helping you proactively manage risks and reduce future claims.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4ecaa1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"f4ecaa1\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e4b5ce6 our-faq-section elementor-widget elementor-widget-elementskit-accordion\" data-id=\"e4b5ce6\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-69d92f858f77c\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-e4b5ce6\">\n                        <a href=\"#collapse-51358d169d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-51358d169d92f858f77c\" aria-expanded=\"true\" aria-controls=\"Collapse-51358d169d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What are the requirements to join a captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-51358d169d92f858f77c\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Depending on the type of operation, captives require $150,000 in premium combined for Workers Compensation, General Liability and Automobile coverage.\u00a0 Some of the lighter less risky operations (plumbing, electrical, grading, retail, restaurant, etc.) can join if their premium is greater than $100,000 for the three coverages listed above.\u00a0 Plus, the company must have a good safety record, sound financials, and adequate risk control.\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-e4b5ce6\">\n                        <a href=\"#collapse-fb2d5ee69d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fb2d5ee69d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-fb2d5ee69d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What risk is associated with being a member of a captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fb2d5ee69d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There is no financial risk associated with being a member of a captive.\u00a0 Captives are reinsured and fronted by large carriers just like you would find in the traditional market.\u00a0 Each member pays for that protection.\u00a0 This is not self-insurance.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-e4b5ce6\">\n                        <a href=\"#collapse-a94bfa069d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a94bfa069d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-a94bfa069d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is the downside of joining a captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a94bfa069d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There is no downside to joining your own captive.\u00a0 There is an upfront capitalization fee for the stock and collateral is also a function of the program but, you earn investment income on these items and it is substantial.\u00a0 Many of our members love this component as it gives them a good place to put their money and watch it work for them.\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-e4b5ce6\">\n                        <a href=\"#collapse-3c8fd9069d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-3c8fd9069d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-3c8fd9069d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What kind of coverage would I have if I joined a captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-3c8fd9069d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Coverage is extremely broad in a captive as all members share the same coverage template.\u00a0 However, if there is a special coverage your operation needs, we can schedule that into the captive coverage.\u00a0 Coverage can be custom tailored to fit your needs.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-e4b5ce6\">\n                        <a href=\"#collapse-ef25ef369d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ef25ef369d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-ef25ef369d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How do I know what type of captive I should join?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ef25ef369d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Parrish &amp; Gwinn will assist in the selection of your captive.\u00a0 There are many components to this decision.\u00a0 Account size (some captives have large minimum premiums), type of risk (some captives are homogeneous and some take many different types of operations), and the size of the membership (some members do not want to be a part of a large captive).\u00a0 Plus, we would pick a captive with the same type of exposure your company has.\u00a0 For example, we would not want to place a clothing store in a captive with roofers.\u00a0 The reinsurance charges would be far too high for the clothing store as they do not have that level of exposure and therefore would not need to have that type of reinsurance cost associated with their program.\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-5-e4b5ce6\">\n                        <a href=\"#collapse-c65808b69d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c65808b69d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-c65808b69d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">How often do I get returns from my captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c65808b69d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-5-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Dividends begin paying out in the third year after inception of the captive.\u00a0 For example, if a member joins in January of 2000. They would get the dividend for that year in 2004.\u00a0 Every year after that, the member would receive a dividend for that year that expired three years before.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-6-e4b5ce6\">\n                        <a href=\"#collapse-4c7124669d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-4c7124669d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-4c7124669d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What are the retention rates for members in the captives we represent?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-4c7124669d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-6-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>There is a 99.7%\u00a0 retention rate for all Captive members.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-7-e4b5ce6\">\n                        <a href=\"#collapse-c0b8b9069d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-c0b8b9069d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-c0b8b9069d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">Who owns the captive entity other than me?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-c0b8b9069d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-7-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Only you and the other members own 100% of the stock in your captive. None of the providers, consultants, or reinsurers have ownership. This is why it works. It is your company, you own the stock and all the assets will come back to you.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-8-e4b5ce6\">\n                        <a href=\"#collapse-7529cf269d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7529cf269d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-7529cf269d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">If captives are so great why isn\u2019t everyone in one?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7529cf269d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-8-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Please see question 1 above for the obvious reasons.\u00a0 However, many prospective captive buyers are not given the chance to be a part of a captive.\u00a0 Why, because their brokers do not represent them or know anything about them.\u00a0 The only way to know if this type of program can work for you is to let someone who is a specialist in the captive market look into your options. \u00a0If you ask a Ford salesman to find you a Chevrolet, there will be problems on the horizon.\u00a0<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-9-e4b5ce6\">\n                        <a href=\"#collapse-bfc2abc69d92f858f77c\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bfc2abc69d92f858f77c\" aria-expanded=\"false\" aria-controls=\"Collapse-bfc2abc69d92f858f77c\">\n                            \n                                <span class=\"number\"><\/span>\n\n                            \n                            <span class=\"ekit-accordion-title\">What is the one thing my members say the most about their captive?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"25\" viewBox=\"0 0 24 25\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 0.0517578H19.3125C20.555 0.0541489 21.7459 0.548777 22.6244 1.42734C23.503 2.30589 23.9976 3.49679 24 4.73926V19.3643C23.9976 20.6067 23.503 21.7976 22.6244 22.6762C21.7459 23.5547 20.555 24.0494 19.3125 24.0518H4.6875C3.44503 24.0494 2.25414 23.5547 1.37558 22.6762C0.497019 21.7976 0.00239105 20.6067 0 19.3643L0 4.73926C0.00239105 3.49679 0.497019 2.30589 1.37558 1.42734C2.25414 0.548777 3.44503 0.0541489 4.6875 0.0517578ZM18.7739 8.35388C18.6088 8.18922 18.3852 8.09675 18.1521 8.09675C17.9189 8.09675 17.6953 8.18922 17.5302 8.35388L12 13.8841L6.46847 8.35388C6.38742 8.27005 6.29048 8.20318 6.18332 8.1572C6.07616 8.11121 5.96091 8.08702 5.8443 8.08604C5.7277 8.08505 5.61206 8.10729 5.50414 8.15147C5.39621 8.19564 5.29816 8.26085 5.21571 8.34331C5.13325 8.42577 5.06803 8.52381 5.02386 8.63174C4.97969 8.73966 4.95745 8.8553 4.95844 8.97191C4.95942 9.08851 4.98361 9.20376 5.0296 9.31092C5.07558 9.41808 5.14244 9.51502 5.22628 9.59607L11.3782 15.7497C11.4597 15.8314 11.5565 15.8962 11.663 15.9404C11.7696 15.9846 11.8839 16.0074 11.9992 16.0074C12.1146 16.0074 12.2289 15.9846 12.3355 15.9404C12.442 15.8962 12.5388 15.8314 12.6203 15.7497L18.7739 9.59626C18.9385 9.43144 19.031 9.20802 19.031 8.97507C19.031 8.74212 18.9385 8.5187 18.7739 8.35388Z\" fill=\"#004F4C\"><\/path><\/svg>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M4.6875 24H19.3125C20.555 23.9976 21.7459 23.503 22.6244 22.6244C23.503 21.7459 23.9976 20.555 24 19.3125V4.6875C23.9976 3.44503 23.503 2.25414 22.6244 1.37558C21.7459 0.497019 20.555 0.00239105 19.3125 0H4.6875C3.44503 0.00239105 2.25414 0.497019 1.37558 1.37558C0.497019 2.25414 0.00239105 3.44503 0 4.6875L0 19.3125C0.00239105 20.555 0.497019 21.7459 1.37558 22.6244C2.25414 23.503 3.44503 23.9976 4.6875 24ZM18.7739 15.6979C18.6088 15.8625 18.3852 15.955 18.1521 15.955C17.9189 15.955 17.6953 15.8625 17.5302 15.6979L12 10.1677L6.46847 15.6979C6.38742 15.7817 6.29048 15.8486 6.18332 15.8946C6.07616 15.9405 5.96091 15.9647 5.8443 15.9657C5.7277 15.9667 5.61206 15.9445 5.50414 15.9003C5.39621 15.8561 5.29816 15.7909 5.21571 15.7084C5.13325 15.626 5.06803 15.5279 5.02386 15.42C4.97969 15.3121 4.95745 15.1965 4.95844 15.0799C4.95942 14.9632 4.98361 14.848 5.0296 14.7408C5.07558 14.6337 5.14244 14.5367 5.22628 14.4557L11.3782 8.30208C11.4597 8.2204 11.5565 8.15559 11.663 8.11137C11.7696 8.06716 11.8839 8.0444 11.9992 8.0444C12.1146 8.0444 12.2289 8.06716 12.3355 8.11137C12.442 8.15559 12.5388 8.2204 12.6203 8.30208L18.7739 14.4555C18.9385 14.6203 19.031 14.8437 19.031 15.0767C19.031 15.3096 18.9385 15.5331 18.7739 15.6979Z\" fill=\"white\"><\/path><\/svg>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bfc2abc69d92f858f77c\" class=\" collapse\" aria-labelledby=\"primaryHeading-9-e4b5ce6\" data-parent=\"#accordion-69d92f858f77c\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>I have asked that to all of my members and the most common answer is \u201cI wish I would have started my captive sooner than I did, I wasted so much money!\u201d<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21aaae9 e-flex e-con-boxed e-con e-parent\" data-id=\"21aaae9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-76e1edb e-con-full e-flex e-con e-child\" data-id=\"76e1edb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e88ab37 section-title elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e88ab37\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CLIENT TESTIMONIALS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c231f2 at-heading-animation at-animation-heading-style-2 elementor-widget elementor-widget-heading\" data-id=\"0c231f2\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Real stories, real trust hear from our <span> satisfied clients <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c836bd elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0c836bd\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We take pride in the trust our clients place in us. Through real-life stories and testimonials, hear how our comprehensive insurance solutions have made a positive impact on their lives. From smooth claims processes to personalized service, our satisfied clients share how we&#8217;ve helped them protect what matters most.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e2cb1 elementor-invisible elementor-widget elementor-widget-button\" data-id=\"88e2cb1\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">contact now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aa1455 e-con-full testimonial-slider-bg e-flex e-con e-child\" data-id=\"2aa1455\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90a1766 testimonial-slider elementor-widget elementor-widget-elementskit-testimonial\" data-id=\"90a1766\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"elementskit-testimonial-slider ekit_testimonial_style_5 arrow_inside slider-dotted\" data-config=\"{&quot;rtl&quot;:false,&quot;arrows&quot;:true,&quot;dots&quot;:true,&quot;pauseOnHover&quot;:true,&quot;autoplay&quot;:false,&quot;speed&quot;:1000,&quot;slidesPerGroup&quot;:1,&quot;slidesPerView&quot;:1,&quot;loop&quot;:true,&quot;spaceBetween&quot;:15,&quot;breakpoints&quot;:{&quot;320&quot;:{&quot;slidesPerView&quot;:1,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:10},&quot;768&quot;:{&quot;slidesPerView&quot;:1,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:10},&quot;1024&quot;:{&quot;slidesPerView&quot;:1,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:15}}}\">\n\t<div class=\"ekit-main-swiper swiper\">\n\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<a class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-b1e2dc8\" href=\"\">\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\u201cWhile hesitant initially, partnering with Captive Resources and Parrish and Gwinn was one of the best business decisions we have ever made.  Parrish &amp; Gwinn does an excellent job servicing our insurance program and they are an expert in the captive market which is of utmost importance.  Many brokers say they can provide captives but have little expertise.  Parrish &amp; Gwinn is an exclusive captive broker and has been for over 20 years, they do it right.  Our premiums are exponentially lower than the conventional market, and we receive dividend returns consistently year after year to acknowledge a lack of losses.  Unforeseen benefits include attending meetings in wonderful venues worldwide with GC peers from all over the United States.  Finally, and most importantly, Captive Resources is actively involved in our safety program and helps to make us better.  In my opinion, it is not a decision of whether or not our captive is good enough for a GC; it is whether or not the GC is good enough for our captive.  Captive Resources does a fantastic job of vetting prospective members, which shows in the limited losses by our members.  The Captive was everything and much more than Parrish &amp; Gwinn promised it would be.\u201d\n<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"480\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg 400w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12-250x300.jpg 250w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Greg Hughes<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\">Contract Construction, Inc<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<a class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-463dbfd\" href=\"\">\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\"I would like to take a moment to personally thank Parrish and Gwinn (and you \u2013 Mark Parrish) for getting Coating Systems Inc. (CSI) enrolled in Evolution, a Captive Insurance Program. \nCSI has been involved with Evolution and Parrish and Gwinn since 2010. Switching from a traditional insurance to a captive was a game-changer for CSI, we owe much of that success to your expertise and guidance. You opened our eyes to a smarter way of handling our insurance. \nSince joining the captive program you recommended, we have seen the benefits expand. Our premiums are predictable, our WC rates provide a competitive advantage, our equity is growing, and we receive annual rebates \u2013 for safety performance ! I can\u2019t recommend you, and the Parrish and Gwinn team highly enough for anyone looking to take control of their insurance future!\"\n<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"480\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg 400w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12-250x300.jpg 250w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Mike McMahon<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\">Coating Systems, Inc.<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<a class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-3778db9\" href=\"\">\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\u201c For many years our interest in the Captive products were high, but were constantly being told our premiums were to low, by our traditional insurance carriers, to be considered a candidate for the Captives. In 2012, Mark Parrish with Parrish &amp; Gwinn (P&amp;G) introduced his company to us and really educated us on the Captive products and process. We developed an RFP for our risk management portfolio and included P&amp;G in the process.  P&amp;G gave us that opportunity to manage our risk, premiums and safety culture with other like minded industry partners when we joined the GCI Captive in 2013.  Thank you Mark and to the entire P&amp;G TEAM for the introduction and being an integral partner in our firm\u2019s risk management decisions for the past 13 years! GREAT DECISION!\"<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"480\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg 400w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12-250x300.jpg 250w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Scott Clark<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<a class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-787fe5a\" href=\"\">\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\"Working with Parrish &amp; Gwinn for our Captive Insurance Group Coinsurance coverage has been a game-changer for Sun Commercial Roofs. Their expertise in structuring coverage for workman's comp, auto, and general liability has provided us with cost-effective solutions tailored to our needs. Their team is responsive, knowledgeable, and truly understands the complexities of risk management in our industry. The support and guidance we've received have been invaluable in protecting our business and employees. We highly recommend their services to any company looking for a smarter approach to insurance.\"<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"480\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12.jpg 400w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/02\/12-250x300.jpg 250w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Richard Bass<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<div class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-8fbb9bf\" >\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\"We've had a fantastic experience working with Mark for our general liability and auto insurance needs. As a mid-sized general contractor, we were looking for better coverage at a competitive price, and they introduced us to a captive insurance program that has been a game-changer. Their team took the time to explain the benefits, helped us navigate the process, and ultimately saved us a significant amount on our premiums. They are knowledgeable, responsive, and truly have our best interests in mind. We highly recommend them to any business looking for smarter, more cost-effective insurance solutions!\"<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI-Logo-Icon.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI-Logo-Icon.jpg 500w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI-Logo-Icon-300x300.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/PGI-Logo-Icon-150x150.jpg 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Ken Anderson<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<a class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two testimonial-active  elementor-repeater-item-ad7c552\" href=\"\">\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>\"Being a part of a Captive has definitely been good for Southern States. We have the peace of mind one has when they have good insurance, while having high confidence the costs are well below general insurance premiums. Parrish &amp; Gwin is an expert in Captives and help us understand all the details and get the most out of our membership. We also feel very important and well served by them, especially when they are quick to respond and shop all of our insurance products every year for the best value.\"<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon.jpg 512w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-300x300.jpg 300w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-150x150.jpg 150w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-270x270.jpg 270w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-192x192.jpg 192w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-180x180.jpg 180w, https:\/\/www.parrishandgwinn.com\/wp-content\/uploads\/2025\/01\/cropped-PGI-Logo-Icon-32x32.jpg 32w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Jeff Howe<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\">Southern States, LLC<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\n\t\t\t\t\t<div class=\"swiper-navigation-button swiper-button-prev\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-left\"><\/i>\t\t\t<\/div>\n\t\t\t<div class=\"swiper-navigation-button swiper-button-next\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Commercial insurance solutions for your business Parrish &amp; Gwinn [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":10714,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-10656","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/pages\/10656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10656"}],"version-history":[{"count":163,"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/pages\/10656\/revisions"}],"predecessor-version":[{"id":11343,"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/pages\/10656\/revisions\/11343"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=\/wp\/v2\/media\/10714"}],"wp:attachment":[{"href":"https:\/\/www.parrishandgwinn.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}