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  • Committed To Helping You
    Achieve Your Insurance Goals
    Greater control of your insurance budget
    through premium stabilization
  • The Premier Mark of Control
    Each captive owner appoints a
    Director of the Company allowing
    for maximum input into insurance
    company operations
  • Control Your Insurance Destiny
    Net investment income from each owner’s
    distinct loss fund and potential profits can
    accrue to that owner’s bottom line

Welcome to Traffic Insurance Ltd.

Traffic Insurance Ltd. (Traffic) was formed in 1993 to provide trucking companies with a more customized, affordable and stable insurance alternative. Its mission is to provide the highest quality insurance protection for its non-related shareholders.

The Company is licensed in the Cayman Islands to reinsure risks from the policy issuing company, Travelers Indemnity Company (rated A+ by A.M. Best). Travelers Indemnity Company is licensed and admitted, providing coverage to the membership in the United States. The types of coverage reinsured by Traffic are Workers’ Compensation, Automobile Liability and Physical Damage.

Traffic is a homogeneous member-owned group captive targeting above-average trucking companies with fleets ranging from 75 to 800 units, for hire and private, and long haul, LTL, intermediate. It offers loss control and claims management programs tailored specifically for the trucking industry.


The Company

The Company, through the active participation of its shareholders, provides the long-term security of a well-managed insurance company. To meet this goal, only those providers of services that can meet the highest standards of excellence are associated with Traffic.


The Mission

The mission of Traffic is to provide the highest quality insurance protection for its non-related shareholders. By joining together to create a true sharing of risk, the shareholders can control their insurance costs and avoid the volatility of the traditional insurance industry. Additional benefits are created through the stabilization of premiums and the improved management of risk through effective loss control.


The Philosophy

The philosophy of Traffic emphasizes that insurance is a manageable cost. Through the understanding of insurance as a business, Traffic shareholders have unveiled the mystique of the insurance industry and the indiscriminate way in which costs are determined. Through ownership in Traffic, shareholders have indeed taken control of their insurance destiny.

Quick Stats1

$247M Total Assets
61 Members
$144M Dividends Paid2
12,349 Power Units
1.08B Mileage

1 = As of 2/28/2023.
2 = Dividends paid on a formula basis that take individual loss experience into account, not on a per share basis.