Trucking Companies

Stop Giving Insurance Companies All of Your Money.

We’ve designed custom insurance programs that let trucking fleets keep the underwriting profit they’ve earned.

Designing Success

From Premium Payers to Profit Participants. Explore Our Clients’ Results.

Dry Van and Refrigerated Goods

This Arkansas based fleet broke free of insurance carrier growth restrictions by moving to a captive.

Warehousing and Logistics

This California based fleet sped up hiring by ditching insurance carrier driver approval delays for new recruits.

Liquid Tanker Operation

This Indiana based fleet cut their annual premium by 26%, before a single profit distribution.

Frequently Asked Questions

What is a captive?

A captive is an insurance company owned by its members. Members are selected based ontheir claims history, ensuring the group stays profitable and your premiums never subsidize a competitor’s bad claims.

Who is the right fit for a captive?

Fleets with 30+ power units or at least $250,000 in annual spend on auto liability, auto physical damage, workers compensation or general liability.

Is the quoting process different than what I'm used to?

No, we use the same information as your normal renewal, just faster.

Services

Alternative risk isn’t a product, it’s a practice. We support clients across the full lifecycle: program formation, claims advocacy and ongoing risk management.

Group Captive Placement or Formation

Whether you’re joining or building, we guide you to the right structure. We place clients in established, high-performing group captives or lead the formation of new ones for industry peers, associations, and private equity portfolios.

Single Parent Captive Formation

For enterprise clients ready for full ownership: We guide you through the design, formation and licensing of your own captive insurance company. Built from the ground up to insure your risk, on your terms.

Claims Advocacy

A captive gives you a real say in how your claims are managed. We work alongside you to make sure reserves are set appropriately, keep the claims process moving and protect the dollars your program is built to return to you.

Risk Management Consulting

Boots-on-the-ground risk consultants walk facilities, identify risks, write summary analysis and make recommendations to help lower your total cost of risk.

Who We Serve

Our programs are best suited for fleets spending $250,000+ across workers compensation, auto liability, auto physical damage and general liability.

For-Hire Trucking Fleets

We support all the major operation types of the for-hire trucking industry: dry van, refrigerated goods, intermodal, flatbed, tankers, aggregate haulers and more.

Private/Not-For-Hire Fleets

If you own a fleet of truck tractors that support your operations but are not-for-hire, we have solutions.

Trucking Industry Associations

Industry associations seeking to deliver real member value can form a proprietary insurance program that allows qualifying members to retain underwriting profit while providing strength to the association.

Private Equity Firms

We guide private equity firms seeking to turn insurance from a line-item expense into a portfolio-wide advantage. One captive structure, deployed across every holding, allows you to consolidate buying power, capture underwriting profit and add EBITDA to every company you own.

Our Story

Specialists by design, not by accident. Meet Pearl.