The Milford Street Captive was created by New York Affordable Housing for New York Affordable Housing. Accordingly, the captive was built to deliver as much value to insureds as possible. Credit for good performance - you will receive a credit of up to 35% of paid premiums against a future renewal if you have no losses. Current best practices for risk control through Sedgwick. The Milford Street Captive is the insurance vehicle that can secure the future of New York affordable housing by delivering member ownership and key data that will shape the future of NY affordable housing.