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SPECTRA® for Captives

Chubb SPECTRA® for Captives provides named storm deductible buydown for captives, covering real and personal property, including business income.

Coverage Highlights


  • Admitted policy
  • Available as a standalone project or in conjunction with a captive property program
  • Option to be structured as annual aggregate cap on named storm retentions
  • Supports captive cashflow management
  • Manuscript or follow form of captive's property policy
  • Recognized key provider of insurance products and services for captive market


  • Includes coverage for storm surge

Minimums & Limits

  • Minimum deductible is $100,000
  • Minimum premium is $100,000
  • Limits of $30 million

Target Client

  • Captives, including captive managers, who wish to manage named storm exposures within the captive program; able to provide tailored solutions for captive risk management, especially where named storm capacity is limited
  • Any captive with large named storm and storm surge (flood) retentions requiring reinsurance on an occurrence or annual aggregate basis
  • Product can support captives with hospitality, real estate, entertainment and manufacturing exposures to named windstorms