A Clean Safety Record, Finally Priced Like One

For years, this company ran one of the safest liquid tanker operations in the business, just one claim in five years and nothing hazardous in the trailer. Their traditional insurer didn’t price it that way. This Indiana based fleet was stuck paying $617,872 a year for auto liability alone and no amount of clean history could move the needle with their broker.

The problem wasn’t their safety record. It was the model. In a traditional guaranteed-cost policy, safe operators subsidize the losses of poor-performing fleets in the same pool, no matter how clean their numbers are.

Pearl moved them into a group captive where premium is priced on a fleet’s own risk, not a blended market average. The result was immediate:

• Auto liability premium dropped to $457,240, a savings of $160,632 in year one (26%)
• Roughly 60% of future underwriting profit returned to them based on continued performance: profit that used to stay with the insurance company

They aren’t just paying less; they’re finally being rewarded for managing a safe operation. Every year they keep their record clean, more underwriting profit is returned to the business instead of being retained by an insurance company.