Frequently Asked Questions

Model & Structure

  • A profit-sharing insurance model gives businesses a way to benefit from the value created from their insurance program. Instead of treating insurance as nothing more than a recurring cost, the model creates an opportunity for companies to participate in the brokerage revenue produced by a spend they already carry.

  • GammaPRO keeps the insurance process familiar while changing how the financial structure works. In a traditional model, the broker keeps the commission and related revenue created from the insurance program. With GammaPRO, participating businesses share in the brokerage revenue through the client equity model.

  • Participation happens through GammaPRO’s equity structure. Participating clients hold an ownership interest in GammaPRO and share in brokerage profits through that ownership structure. The exact amount depends on the economics of the client’s insurance program, but the principle is simple: the business is no longer limited to paying for coverage without participating in the brokerage revenue they create.

  • Profits are recognized in the usual fashion: gross revenue minus expenses. Each client’s distribution is prorated based on the revenue their account contributes relative to GammaPRO’s total gross revenue. The exact amount will vary, but the principle remains the same.

  • No. GammaPRO is not built around a capital contribution model. It is designed to improve the financial outcome of an insurance program your business already needs, rather than requiring you to fund a separate insurance structure to participate.

  • Not necessarily. GammaPRO is designed to leave the insurance process itself familiar. Your policies, providers, and overall coverage structure can remain the same, while the financial model behind the brokerage structure becomes more beneficial to the business.

Business Impact & Practical Considerations

  • A GammaPRO client may elect to leave the program at any time. There are no long-term commitments. If a client wants to leave, we will work with them to sell the account to another broker. The proceeds would be split between GammaPRO and the client.

  • No. GammaPRO is not a captive insurance structure. A captive usually involves capital requirements and assumption of risk. GammaPRO is different: it keeps the insurance process familiar and does not require businesses to take on underwriting or economic exposure in order to participate in the value created by their insurance program.

  • Profit-sharing is determined annually based on brokerage performance and premium volume. Distributions are made in the first quarter following the close of the prior year.

  • No. The goal is to create a more aligned financial structure around insurance.

Business Impact & Decision-Making

  • GammaPRO improves profitability by creating a path for clients to share in the brokerage revenue they create but was previously beyond their reach.  The top line spend is the same, but the net cost is reduced.

  • If you are a commercial organization that purchases insurance, GammaPRO is an option to consider. Because participation is tied to premium spend, the financial impact scales with the size of the insurance program.