VHO Assurance

VHO Assurance, LLC is a protected cell captive insurance company founded by VHO members in 2017.  The first captive cell was initiated to ensure access, stability and affordability to medical professional and general liability insurance.   An additional captive cell similarly addresses medical stop loss coverage.

In the captive structure, the premiums belong to the members and are invested rather than paid to an insurance company.  Members in the captive are incentivized to collectively manage risk and improve quality to minimize losses.

The captive structure is typically less costly than standard insurance while generating investment income from retained premiums.

Additionally, Vantage members collectively purchase Cyber-Liability and Property insurance while working together to minimize risk in these areas.