In this episode of the Perspectives podcast, sponsored by Pareto Captive Services and hosted on, we'll hear highlights from the February 24th presentation titled, How the Captive Model Can Help Clients – Achieving Stability Through Scale. 

The demand for self-insurance is increasing, even though many of the stop-loss products on the market continue to fall short. With the frequency and severity of catastrophic claims on the rise, it is a prime time to help clients self-fund the smart way. This year it's critical to identify and explain flaws in stop-loss programs, as well as those associated with some captive models.

Andrew Clayton, President at Pareto Captive Services, and Austin Madison, Senior Vice President, Executive Vice President at HUB International address what to look for in a captive and how to ensure you select the best option for you and your clients.

Andrew Clayton, President, Pareto Captive Services

Andrew has nearly 25 years of experience creating captives and employer-centric risk financing programs. Andrew has structured property and casualty captives for Fortune 500 companies but is best known as an industry leader in the employee benefit group captive space. Andrew's areas of expertise include healthcare finance, risk management, and cost containment. Andrew graduated from Swarthmore College and lives in Philadelphia with his wife and two sons.

Austin Madison, Senior Vice President, Executive Vice President, HUB International

Austin has been in the insurance industry since 2005, and began his Employee Benefits Consultant career with The Crichton Group in 2007 – eventually becoming a Partner in 2011. The Crichton Group joined HUB International in 2019, in which Austin co-leads the HUB Mid-South Employee Benefits Practice. His responsibilities include: business development, leadership and responsibility for the benefits department's strategy, consulting and advisory guidance for clients, and carrier and vendor-partner relationships at the leadership level. Austin is from Lexington, KY. He received a Bachelor of Arts in Corporate Communications from the University of Kentucky.


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