Lime Street Cell Captive by Willis

Lime Street is Willis’ protected cell captive solution that lets organizations take advantage of self-insurance without forming a standalone insurer. It offers fully segregated assets and liabilities and the reassurance of Willis’ track record in exceptional captive management, together with transparent pricing and fast set up.

You get a ring-fenced cell on the Lime Street platform. You define underwriting strategy, while we manage governance, regulatory contact, compliance, and operations.

Who is Lime Street Cell Captive for?

Lime Street Cell Captive is available for any business that wants the advantages of a captive with minimized management time and robust governance.

Lime Street works for both small and midsize businesses that want captive benefits without building in-house capabilities, as well as large groups that want to separate a risk, a line of business or a region within a cell captive.

Private equity firms that need multiple cells for varied portfolios can also benefit from Lime Street Cell Captive.

Why do organizations all over the world choose Lime Street Cell Captive?

• Built by Willis for long-term confidence
  Lime Street is designed for organizations that want the assurance and long-term stability, regulatory credibility and disciplined governance you can expect from working with Willis’ experienced captive specialists.

• A true advisory partnership
  Choosing Lime Street means working with captive management specialists who take time to understand what you’re trying to achieve. Our advice is grounded in Willis’ deep experience and commitment to exceptional client service, even when that means recommending a different solution.

• Experienced oversight you can trust
  Each Lime Street cell benefits from established professionals with deep captive and risk financing expertise. You get informed challenges, practical guidance and decisions shaped by deep experience and long-standing regulatory relationships.

• Consistent service at every scale
  Whether you’re placing a single line of risk or managing a complex program, you’ll get the same level of attention, expertise and governance.

• Clear governance and full segregation
  Assets and liabilities are fully segregated. Governance is robust and transparent, giving you confidence that your cell is protected and managed to high standards.

• Lower management burden
  Lime Street handles regulatory engagement, compliance and day-to-day administration so you can focus on optimizing your underwriting risk strategies.

• Faster access, without cutting corners
  We can establish you cells quickly in many jurisdictions because regulators know the platform and the people behind it. Speed comes from experience and trust, not compromise.

• Transparent and straightforward
  We explain fees and structures clearly from the outset. You know how Lime Street works, what you’re paying for and what support we’ll provide.

Which domiciles is Lime Street Cell Captive available for?

Vermont, Bermuda, Guernsey and Malta.

How does Lime Street Cell Captive work?

• Your risks and capital sit in a ring-fenced cell.
• You create a protected cell on the Lime Street platform in your chosen domicile
• You define the risks, programs and capital dedicated to the cell.
• You keep underwriting oversight with reporting that fits your requirements.
• You choose your level of involvement.
• We handle governance and regulatory communications.
• We run compliance, operations and board administration so your management time remains low-commitment.

Lime Street Cell Captive by Willis: FAQs

Do we need a feasibility study for a cell captive?

Perhaps, but not in all cases. It depends on your domicile - get in touch to find out.

Do we need to appoint our own directors?

In the US, an incorporated cell captive would have its own Directors, many of which would be from the insured. Elsewhere, Directors are not required at the cell level.

How much management time do we need to manage our Lime Street cell captive?

Very little. We keep demands low on your time, while you stay in control of key decisions.

Do you need to be a WTW client to use Lime Street Cell Captive by Willis?

No, you can use Lime Street as a stand-alone service.

What if a cell captive isn’t right for us?

The team will recommend an alternative structure that fits your needs.

Choosing Lime Street Cell Captive means working with directors who understand cell structures and support decisions. Our involvement speeds approvals and helps you progress with confidence and optimize management.

Ready to get started with Lime Street Cell Captive by Willis? Get in touch with our captive management specialists.

Lime Street Cell Captive is a trading style of the following Protected Cell Companies:

• Encore Insurance PCC Limited, Vermont
• Meridian Insurance Company Limited, Bermuda
• Lime Street Insurance PCC Limited, Malta
• Lime Street Insurance Guernsey PCC Limited