For Businesses Tired of Overpaying for Commercial Auto Insurance
Group captive insurance programs reward businesses that run safe, well-managed fleets — with lower premiums, greater control, and money back when your claims are low.
See If You QualifyThe Problem with Traditional Insurance
In a traditional commercial auto insurance pool, your premiums are blended with businesses that have worse loss histories, weaker driver training, and higher claim frequencies. You're subsidizing their risk — and your rates reflect it.
In a group captive, your premiums are tied to your actual performance. Safe fleets and well-run operations are rewarded directly — not averaged into someone else's bad year. The result: lower costs, better control, and profit returned to you when claims stay low.
See How It Works
The Process
We assess your company's loss history, fleet safety record, and operations to determine if you're a strong candidate for the program.
You're matched with a member-owned group captive of similarly vetted businesses. You pay into the group — not into a traditional insurer's profit margin.
Your premiums are tied to your actual risk profile. Invest in fleet safety, manage claims well, and your costs reflect that directly.
When you and the group have a good year with low claims, unused premiums are returned to members as dividends. Your insurance program becomes an asset, not just an expense.
Who This Is For
This program is designed for companies with significant commercial auto exposure that are tired of paying inflated premiums because of other operators' poor loss records.
Coverage Details
$2M Combined Single Limit. Auto is the required line — the foundation of the program.
$2M / $4M policy limits. Available as an additional line to round out your coverage.
Optional but recommended. Bundling WC strengthens your overall program position.
2× Annual Fund collateral requirement — consistent with standard group captive structures.
The Advantage
You've invested in driver training, GPS tracking, dash cams, and real safety programs. A traditional insurer doesn't care — they pool you with everyone else. A captive program rewards you for running the right operation.
This captive program gives mid-market businesses access to the same risk management structures that the largest companies have used for decades — now available to owner-operators doing serious work.
Talk to an Expert
Get Started
No pressure, no obligation. We'll have a straight conversation about whether a captive program makes sense for your business and your fleet.