WalkerHughes Insurance — Fleet Premium Recovery
01 / 05
Every year, your premiums vanish.
Into a carrier's pocket.
What if that money came back to you?
That's a member-owned group captive.
Stop renting your insurance.
Start owning it.
Run your numbers ↓
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Watch

How a group captive actually works.

The plain-English version — where your premium goes, and how clean fleets get money back.

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Your premium, your money

Move the sliders. See what comes back.

$250,000
$50,000
$150,000
$120,000
In a member-owned captive, this comes back to you:
$127,500
on $450,000 premium · 55% loss fund − $120,000 claims
See if your fleet qualifies ↓
Illustrative. ≈45% covers fixed program costs; the 55% loss fund, less your paid claims, is what's returned to members. Actual distributions depend on the captive's overall performance. A captive also means your fleet carries more of its own risk — the return above only exists because you're taking on the loss fund.
By invitation

This isn't
for every fleet.

You're seeing this because your fleet's public FMCSA safety record puts you in the top tier of carriers on the road — and that's the only kind of operation a member-owned captive will take. Members underwrite each other, so the bar stays high: run clean or you're not invited. If you got here, you were.

90%+
of Fortune 500 companies own a captive — the biggest operations stopped renting insurance a long time ago
~8,000
captives operating worldwide today, up from about 1,000 in 1980
1 in 4
commercial insurance dollars worldwide already flow through a captive

This is the structure the largest fleets in the country use to take back control of insurance — premiums per mile are up 47% over the last decade and still climbing faster than any other line on a fleet's cost sheet (ATRI). For the fleets that qualify, it isn't another policy to shop every fall. It's a forever fix: you own the structure, and clean years come back to you instead of staying with a carrier.

The first look

Five years. Three numbers a year.

Before either of us spends real time on this, the math has to say it's worth it. A pro forma — the year-by-year projection of what this structure would have returned on your fleet — is built from exactly three things: what you paid, what you lost, and how many trucks you ran. Estimates are fine. Close is enough to tell whether this is even worth exploring — and if the math says it isn't, you'll hear that straight too.

Total premium — Auto + GL + Work Comp
Losses paid (claims)
Power units
Goes straight to Brennan Ellis — Alternative Risk Transportation Specialist, WalkerHughes Insurance — and nobody else. It's a fit check, not a quote — nothing gets marketed off these numbers.
Got it. If the math says captive, you'll have your pro forma. If it doesn't, you'll hear that too — straight, either way.
01 — The Trucker's Tax

You run clean.
Your carrier keeps
the difference.

$0comes back — no matter how clean the year
02 — The Structure

Own the structure,
and the premium
comes home.

Same coverage. Same claims. The only thing that changes is where your unused premium goes — your account, not theirs.

03 — The Math

On a typical fleet,
that's six figures
a year.

Fifteen minutes to see your number.

No forms. No pitch deck. Just a straight conversation about what your specific fleet looks like inside one of these structures.

Email Brennan →