Founded in 2004, Construction Insurance and Risk Captive of America, Limited (CIRCA) is a Bermuda domiciled and licensed Group Reinsurance Company -- designed, owned and operated by an elite group of contractors. CIRCA is committed to placing control back into the hands of it’s members.

Through this approach, CIRCA has established strong, effective safety management programs and developed active claims management controls -- a catalyst for making contractors better. With results that routinely out-perform industry results, CIRCA is positioned for longevity in the construction captive industry. 

Our Mission

To be a long-term profitable venture for its shareholders, through a commitment to industry best practices for safety and claims management.


On behalf of all the shareholders, I can say that it is a tremendous honor to work alongside a set of like-minded, sophisticated contractors.
— Tracy Schieffer, CIRCA Chairwoman & Vice President - A. L. Helmcamp

circa advantages

  • Long-term solution for managing insurance costs

  • Stability for risk management program

  • Opportunity to capture underwriting and investment income ($11.4 Million in shareholder dividends since 2010)

  • Broad coverages

  • Interaction/partnering with other contractors (best practices)

  • Equity growth

  • 12 best-in-class contractor members (approximately $230 million in total payroll)

  • Focus on and stability through safety and claims management

  • Dramatically outperforms the traditional insurance market