Each renewal cycle, transportation businesses face a familiar challenge: rising insurance premiums. Even with strong safety records, minimal losses, and disciplined operations, many see auto rates climb 5–15% annually.
Why? It’s not just you. Repair costs, larger claim settlements, nuclear verdicts, and inflation are reshaping the market. While you can’t control those forces, you can control how your insurance program is built.
Take Back Control with a Smarter Structure
At Kapnick, we help transportation companies move beyond the renewal number. By evaluating deductibles, limits, and overall program design, we uncover ways to reduce cost and drive long-term stability.
That can include:
- Right-sizing deductibles to balance savings with tolerable risk
- Exploring layered coverage or alternative structures aligned to your scale and operations
- Aligning limits to actual exposures to avoid over- or under-insuring
- Leveraging safety performance to negotiate more competitive terms
Often, small structural adjustments create meaningful financial impact.
Why It Matters Now
In a hard market, a passive renewal approach can cost thousands. Carriers will keep pushing increases—regardless of a good year—unless you bring data, structure, and a clear strategy to the table. That’s where Kapnick steps in: we help you negotiate smarter, not just cheaper.
The Bottom Line
Premiums may keep rising, but your options don’t have to shrink. With Kapnick’s transportation expertise and program-structure focus, we help you find the right balance between protection and performance—creating a clearer path to stability and cost control.
You can’t stop the market from shifting. With the right structure, you can stay ahead of it.
