Insurance can (and usually does) comprise a substantial portion of the cost-side of a contractor's P&L. Because construction is a risk-driven industry by nature, many mid-size to larger contractors choose to explore alternative methods of financing risk such as Group Captives. A Group Captive offers a construction owner a method by which to have "skin in the game" with regard to his or her insurance program, specifically with regard to Workers' Compensation, Auto, and General Liability exposures. It is owned and driven by its members.