For a trucking group operating thirty-six affiliated motor carriers across twenty-one states, commercial auto liability is the defining insurance cost of the business. The fleet runs predominantly long-haul truckload freight — most miles fall beyond a 200-mile radius — hauling a diversified book that spans general freight, building materials, temperature-controlled loads, and containerized cargo, with a mix of company drivers and owner-operators. Each carrier had been buying its own coverage, with every dollar of favorable loss experience accruing to someone else. Captives Insure structured a single program to bring that value home.
Captives.Insure will attend the Tennessee Captive Insurance Association’s 16th Annual Conference, October 12–14, 2026, at Embassy Suites Downtown Nashville. We look forward to reconnecting with industry colleagues, building new relationships, and discussing practical approaches to captive insurance.
As the year draws to a close, now is the time to prepare for your January 1 renewals. In 2026, Captives Insure introduced a suite of General Liability, Auto Liability, Workers' Compensation, Excess, and Property captive programs—designed to help clients retain significant premium within wholly owned captives, while maintaining full broker commissions and captive manager revenues.
These programs are ideal for clients with strong historical loss performance, allowing them to capture meaningful underwriting profits and gain greater control over their insurance outcomes.
The Tennessee Department of Commerce & Insurance (TDCI) has proposed a rewrite of Chapter 0780-01-41, the rules that govern Tennessee captives. A public hearing is set for Oct. 20, 2026, at 9:00 a.m. in Conference Room 1-B, 500 James Robertson Parkway, Nashville.
Every current or prospective captive owner has one simple thing in common. They believe they manage their risk better than the commercial market gives them credit for and wants to retain premium dollars that have previously been burned in the commercial market. While this sentiment is often correct, the need to be insulated from an unavoidable catastrophic loss can be invaluable in protecting the captives balance sheet. Reinsurance is the tool that can limit the catastrophic loss the captive. It determines how much volatility the captive retains, and how confidently the captive can grow into new lines and larger retentions over time. For captive owners, understanding reinsurance is central to how the captive is capitalized and how to confidently sleep at night knowing you aren't one large loss away from insolvency
A captive is not difficult to form, but it is easy to form badly. The value of the vehicle is decided long before the first policy is issued — in the discipline of the questions asked at the outset. Done well, it lets an organization retain the underwriting profit and investment income that would otherwise flow to a commercial carrier, gain control over its cost of risk, and access coverage the traditional market prices poorly. Done carelessly, it becomes an under-capitalized entity holding volatility it was never equipped to absorb. The difference is decided during formation — which is why the process requires disciplined underwriting and evaluation.
A captive is simply a privately owned, licensed and regulated insurance company. These regulated entities can seem complex to those evaluating for the this time. However, coordinating the right team of specialists and an independent advisor is of utmost importance to provide the appropriate structure for the captive owner, eliminate confusion and manage expectations. Understanding each individuals role and where the questions should be directed simplifies this process for the captive owner and broker.
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