For group captive members
If your loss experience funds your dividend, software should help you protect it.
We’re a Granite captive member ourselves. Bob Miller Masonry has been in the captive for years. The whole point of being in a group captive is that members who run a real safety program get rewarded for it. Members who run a paper program subsidize the ones who don’t.
Bedrock was built so a busy mid-sized sub can actually run that program — not just document one for the annual audit. The audit trail is a byproduct, not the goal.
Why we built it
“We were running our safety program on a binder, a spreadsheet, and a string of unread group texts.”
— Robert Gilbert, Safety Manager at Bob Miller Masonry · Granite captive member
How the economics work
Lower claims, bigger dividend back to your account.
A captive member’s safety program is a financial instrument, not a compliance task.
In a group captive, members fund a shared insurance company. When the captive’s loss ratio comes in below the underwriting target, the underwriting profit is returned to members based on each member’s individual claims experience. Good loss experience earns more of the pool. Bad loss experience earns less, and at the extreme, an A-rated member subsidizes a C-rated one.
That dynamic is the whole reason captive members invest in safety programs. The annual loss-control review with your captive manager isn’t a formality. It’s the input to the math on what you get back.
We don’t publish typical dividend ranges here because every captive structures differently. Your captive manager will give you the real numbers for your group.
What good loss experience looks like on paper
Documented weekly toolbox talks for every active crew.
Topic, attendance, signatures, dates. OSHA-aligned.
Inspection records on a regular cadence.
With photos, location detail, and the inspector’s signature.
Corrective actions assigned and closed out.
Not as a spreadsheet that turns yellow. With proof-of-closure photos.
Stop-work events logged.
When invoked, why, who called it, and how it was resolved.
HR-flag patterns acted on.
When the same worker shows up in three findings in 60 days, somebody should know.
For captive managers, TPAs, and brokers
A safety program your members can actually run.
If you’re managing a captive or you’re the broker placing one, you’ve probably watched the same pattern. The captive’s safety committee writes excellent best-practices guides. Members agree they’re great. Twelve months later the audit shows half the members are still on the old binder system.
We built Bedrock because we were one of those members. The software a captive’s safety committee wants its members to use has to be lightweight enough that a foreman with three pours this week will actually open it on Monday morning.
If you’d like a captive-member-priced deployment for your group, we’re happy to talk. Captive Resources groups in particular: we’ll tailor onboarding to your loss-control calendar.
Aligned with how captive economics work.
Better records support stronger loss-control ratings, which support a healthier dividend distribution. We don’t need to explain this to your members. They already get it.
Audit-ready exports your TPA already wants.
PDF safety packets per crew, per job, or per incident. CSVs of every TBT, inspection, finding, and corrective action.
One platform across all member firms.
Multi-tenant from the schema up. Each member sees only their own data. Captive-level aggregate views available on enterprise.
Not in a captive yet?
That’s fine. The software still works.
Most of what makes Bedrock useful is true whether or not you’re in a captive.
We named this page “for captives” because that’s where the buying motivation is sharpest. The product itself doesn’t care. Specialty subcontractors, midsized GCs, and self-insured construction firms can all use it the same way. If your insurance broker has ever suggested you look at a group captive, the safety program we’ve built here is roughly the bar they’d want you at before applying.