Insurance as a premium membership club.

Insurance began as a community of like-minded shipbuilders sharing risk and investing in each other's ability to be safe. It changed when third parties saw an opportunity to profit. Charter is bringing back your ability to share your risk with your peer businesses and use that as an opportunity to network and reinvest in your business.

Check out Our Digital Membership Beta


With traditional business insurance or what we call "BAD," insurance you know exactly what you're going to get. A third party who gives you high prices and doesn't care if your recent losses have been corrected.

Traditional insurance companies rarely encourage dialogue between their insureds. This is because they have virtually ZERO ability to involve themselves in your business in a personal way or help you cut down on losses. Instead they just raise prices to cover their own profit.
BAD Insurance


With captive insurance or what we call "GOOD insurance," you are FREE to choose your member partners, collaborate on your premiums, and share safety information, best practices, and ideas between member companies. Over time you can begin to reinvest savings created by loss prevention back into your member network.

The best thing about partnering with peer companies is the comraderie, respect, and sharing that is fostered within member groups.
Self Insurance Benefits
GOOD Insurance








GOOD Insurance

With GOOD insurance you are FREE to choose your member partners, collaborate on your premiums, and share safety information, best practices, and ideas between member companies. Over time you can begin to reinvest savings created by lost prevention back into your member network.

The best thing about partnering with peer companies is the comraderie, respect, and sharing that is fostered within member groups.

Find out more

BAD Insurance

With traditional business insurance or what we call "BAD," insurance you know exactly what you're going to get. A third party who gives you high prices and doesn't care if your recent losses have been corrected.

Traditional insurance companies rarely encourage dialogue between their insureds. This is because they have virtually ZERO ability to involve themselves in your business in a personal way or help you cut down on losses. Instead they just raise prices to cover their own profit.

50 years of proof.

We are a third generation business that's been in the risk management and insurance industry since 1967. We were one of the first companies to organize municipalities to self-insure in Pennsylvania and New Jersey. From there, we learned how to organize captive insurance companies in the state of Vermont, one of the leading places in the world for self insurance. In 2016, we began development of collaborative employee engagement software. Now, we're bringing together this knowledge and experience to create digital insurance communities.

About Us

Our Philosophy

"We believe privately held entrepreneurial businesses represent the spirit and strength of America. We are committed to creating an environment of mutual trust and respect that attracts groups of quality entrepreneurs who share ideas, products and services to amplify their success."
― in honor of Glen Welch
Self insurance is GOOD
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