industry

Trucking and transportation risk financing: fleets, carriers and claims

Trucking and logistics firms need to know which liabilities sit with their own fleet and which with the carriers they hire. Federal minimum insurance levels for motor carriers are a legal floor, not a measure of the right limits.

Fleet, cargo and workforce risks in trucking and logistics, and the specialists who help finance them.

Common risks and risk-financing considerations in Transportation & Logistics

  • Owned fleet versus contracted carriers — Brokers, shippers and carriers carry different liabilities, and contracts shift some of them. Confirm what remains with you.
  • Auto, cargo and workers — Auto liability, cargo and workers' compensation are separate lines with separate data. FMCSA sets federal minimum financial responsibility for many motor carriers; states add their own rules.
  • Claims operations and multi-state activity — Accidents across many states need fast, consistent claims handling. Data by route, vehicle and driver supports any retention discussion.
  • Questions for specialists — Ask how a provider manages multi-state claims and fleet data. Group captives are common in trucking, but whether one fits depends on your loss history.

Relevant solutions for Transportation & Logistics

  • Captive Insurance

    A captive is an insurance company owned by the business, or group of businesses, whose risks it insures. The owner keeps a defined layer of risk inside a licensed vehicle it controls, rather than transferring all of it to the commercial market.

    Derived from provider tagging: 16 active providers serve this industry and offer this solution.

  • Group Captive

    A group captive is an insurer owned by several companies — often unrelated, sometimes in the same industry — that pool part of their risk and share the cost of running it. Each member keeps some of its own losses and shares others, so its results depend partly on the rest of the group.

    Derived from provider tagging: 13 active providers serve this industry and offer this solution.

  • Self-Insurance

    Self-insurance is the broad category of risk financing in which an organization retains and pays its own losses instead of transferring them to an insurer for a premium. It sits underneath captives and most other alternative structures, but it does not require forming an insurance company.

    Derived from provider tagging: 11 active providers serve this industry and offer this solution.

Each card shows why that provider is relevant to Transportation & Logistics, from what the provider has recorded against this industry.

12 companies

Oct 20, 2026How are these providers ranked?