What Is Captive Insurance?

A strategic insurance alternative for trucking fleets

How Captive Insurance Works

1
Establishment

• Owned & controlled by insureds
• Choice of domicile

2
Funding & Operation

• Initial capital
• Set aside premiums

3
Captive Benefits & Dividends

• Underwriting profits
• Potential dividends

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What It Covers

• Auto Liability
• Cargo Insurance
• General Liability
• Workers' Compensation
• Property Damage

Types of Captive Insurance

• Single-Parent Captive
• Group Captive
• Association Captive
• Rent-a-Captive
• Protected Cell Captive

Benefits of Captive Insurance

Cost Savings
Cost Savings
Customized Coverage
Customized Coverage
Risk Management
Risk Management
Reinsurance Access
Reinsurance Access
Financial Transparency
Financial Transparency

Services for VTI Clients

Fleet & Risk Evaluation

VTI reviews DOT history, loss runs, and safety performance to determine eligibility and fit.

Program Customization

Captive structure tailored to fleet size, risk tolerance, and business needs.

Loss Prevention Programs

Safety training, driver coaching, and compliance assistance to reduce claim frequency.

Claims Management

Dedicated claims support with fast response and tracking capabilities.

Data & Analytics

Advanced reporting tools to monitor trends, improve safety, and optimize operations.

Is Captive Insurance Right for You?

For Trucking Fleets with 10+ Power Units & Strong Safety Records.

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