The consulting team truly understands our business and the factors which affect it.

— Robin Cohan
Quality Distribution, Inc.



As one of the largest industries in the world, the transportation industry includes a wide variety of companies that face constant liability exposures.

Regardless of your industry segment, you must deal with these exposures every day. Taxicab and livery risks depend on unique workers compensation laws and dramatically different usages by operator. Bus operations face a variety of legal differences by state. Trucking companies deal with issues ranging from pollution claims for tankers, cargo liability for less than trailer load (LTL) operations, and spoilage risk for agricultural and refrigerated trucking, just to name a few.

At Pinnacle, our focus is to quantify your claims liabilities’ expected ultimate costs and reflect your risk exposures’ unique characteristics. Our extensive experience indicates such exposures are not only manageable, but are controllable. Effective loss control, risk management and safety programs are essential to keep costs in check.

To help address your needs, we consider the multitude of your operation’s real world circumstances to the maximum extent possible. Our reserve analyses estimate proper accruals for prior years’ claims. Our funding studies can estimate expected costs for next year’s claims. We can also help insurers design a specialty insurance product for your specific business requirements.

Whether your goals involve developing rates for trucking, taxi and school bus insurance products, funding feasibility studies for single parent and homogeneous group captives owned by trucking and public livery companies, analysis of transportation reinsurance programs or more, Pinnacle provides the tools and solutions you need to achieve your goals.

Our expertise with transportation companies includes:

  • Agricultural and livestock haulers
  • Automobile carriers
  • Bus companies
  • Chemical and petroleum tankers
  • Coiled steel
  • Distributors of food, beverages, heating oil, hardware and other products
  • Hazardous material (Hazmat) transporters
  • Less than trailer load (LTL)
  • Limousines, including black and silver car services
  • Logistics companies
  • Moving and storage companies
  • Taxicabs

Publications and Media

March APEX Webinar
Commercial Auto Insurance: Moving Right Along
Authored by Gregory W. Fears, Jr..

July 2019 APEX Webinar
Causes of Recent Reserve Development
Authored by Erich A. Brandt and Gregory W. Fears, Jr..

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Case Studies

Captive Dividend Assessment
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Captive Dividend Assessment

An onshore, single parent captive was concerned with the amount of retained earnings and wanted to establish a policy for the minimum capital for the program to trigger dividend distributions. Pinnacle compared the program’s capitalization to a wide variety of industry standards for similar programs from rating agencies, regulators, and other sources. The results of this analysis lead to a recommended board policy regarding a minimum capital threshold for dividend distributions and ultimately to a significant dividend being declared to the parent company.

Cayman Captive
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Cayman Captive

Pinnacle serves many of the largest group captives in the world, many of them domiciled in the Cayman Islands. These reserve analyses are typically produced twice a year and serve multiple purposes. First, they provide a range of reasonable estimates which management uses to determine their best estimate of ultimate losses and unpaid claims liabilities. Second, these reserve estimates can then be allocated to individual members to determine the outstanding liabilities and potential future assessments, if any. Finally, the allocated ultimate losses become the basis for renewal pricing estimates for each member. Pinnacle’s approach to estimating and allocating reserves in group captives is unique in the industry and sets our alternative practice apart with its efficiency and accuracy.

Retention Analysis
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Retention Analysis

Pinnacle was asked by a large self-insured regional transportation authority to assess the impact of increasing their self-insured retentions for both workers compensation and automobile liability. We developed a stochastic simulation analysis, based on the program’s historical claims experience and industry benchmarks, that examined not only the increase in expected losses but the program’s additional potential loss variability. Finally, we discussed with the customer the relationship between their current capital position, as well as the current reinsurance market, to ensure the retention they selected for their program was appropriate for them. The authority ultimately increased their retentions, put some of their excess capital to work, and realized substantial savings in their reinsurance costs.

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