We are a Protected Cell Captive Insurance Company (PCCIC) created under the Captive Insurance Legislation in the State of Tennessee.
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A PCCIC is an insurance company that can set up any number of segregated captive cells off the “core” of the PCCIC.
Think of Hartwell as being the axle on a bicycle wheel; the hub that ties everything together.
Hartwell Insurance Company was created in 2016 with the aim of breaking the mould of traditional insurance thinking.
Redefining Captive Insurance.
Each cell is represented by the spokes coming from the axle.
Each cell is independent.
What we offer
Hartwell can offer all these services and options because of one overriding reason:
The interests of the Client and of Hartwell are aligned.
Hartwell clients gain the following benefits:
Remuneration and Premiums
There are 3 main payments that are required:
Because of our structuring techniques and the way in which we create our policies, Clients are not normally required to produce additional funding for the Cell. This is another advantage that Hartwell gives its clients over other PCCIC structures.
Costs are ALWAYS minimized.
How safe is money placed with Hartwell?
Money placed with Hartwell is extremely safe.
We designed it that way.
Who we are
Hartwell Insurance is the creation of two people: Roland Horton and William Harris. Their goal is to create an Insurance Company whose interests are exactly aligned with that of their clients. In addition, they want Hartwell to offer a fast, responsive and bespoke service (every client is unique and we treat them that way). Finally, they want the process of working with Hartwell to be an enjoyable one, business efficiency is great but it can also be enjoyable.
Our Partners
No man is an island and that also rings true of companies too. We seek to gather around us some of the best advisors and service providers in our Industry.
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This menu of service providers is an Industry leading combination and enables Hartwell to provide all of our clients the very highest levels of service.
Financial Stability Rating
Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a Financial Stability Rating® of A possess Exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level.
General economic conditions impacting the Property & Casualty insurance industry include, but are not limited to, the rate of claim inflation, interest rates, investment income yields and overall economic activity.
Underwriting cycle conditions include, but are not limited to, overall price adequacy, mix of premium by state, loss and loss adjustment expense, reserve levels, reserve adequacy, liquidity, expense levels, utilization of reinsurance, collectability of reinsurance, financial leverage, investments in affiliates, dependency on a particular distribution system, etc.
About Demotech
Demotech, Inc. is a financial analysis firm specializing in evaluating the financial stability of regional and specialty insurers.
Since 1985, Demotech has provided proactive solutions to insurance industry financial analysis issues and has served the insurance industry by assigning accurate, reliable and proven Financial Stability Ratings® (FSRs) for Property & Casualty insurers and Title underwriters.
Demotech’s philosophy is to review and evaluate insurers based on their area of focus and execution of their business model rather than solely on financial size.
FSRs
FSRs are a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.
FSRs are based upon a series of quantitative ratios and considerations which together comprise Demotech’s Financial Stability Analysis Model
As the first company to have its rating process formally reviewed and accepted by Fannie Mae, Freddie Mac and HUD, Demotech has been leveling the playing field by providing Financial Stability Ratings® to insurers of all sizes.
In order to sustain an FSR of A or better, an insurer must meet their financial criteria quarterly, throughout their annual review cycle. Further, the insurer provides them with information on its reinsurance program and access to a senior officer to discuss operating results.
Our Corporate Social Responsibility
Sometimes in this hectic world of business, deadlines and money we lose sight of things that really matter, so it’s nice to be able to spend a little time getting involved with the world outside of business.
At Hartwell we are very interested in dogs and horses. Both Roland and William have dogs and along with many Americans we love our animal family; we want to do more with dogs and people and so we would ask people to watch this space as we start to explore how Hartwell can help dogs within our community and help people work and be with our canine friends.
Also we believe very much in animal communication. Just as we all know that Communication is key in the business world so it is in the animal kingdom. Knowing when to speak and when to listen is so important both with humans and with animals.
We’ve tried to help especially in the Equine world where Hartwell has been proud to work together with Elsa Sinclair of Taming Wild ( www.tamingwild.com ). Elsa is a great teacher of patience and communication with horses and has made two films about her experiences. Hartwell was very pleased to be the sponsor of her latest film - Taming Wild: Pura Vida which charts her crossing the Dominican Republic on foot with rescue horses.
As time develops we want to do more and more for dogs, horses and animals as a whole so if you have any good ideas please contact either Roland or William.