Self-insured and large-deductible fleets fund their own losses — and when a third party caused the loss, the right to recover that money belongs to you, not your carrier. Those rights routinely go unworked, and they expire on state statutes of limitations whether anyone pursues them or not.
We audit the closed files, identify what is still recoverable, and collect it. On contingency. No retainer, no disruption to your operation.
If your program involves a self-insured retention, a large per-occurrence deductible, or a fronted policy, the dollars you paid within that layer are your dollars — and so are the recovery rights attached to them. We work with:
Fleets of roughly 100 power units and up, funding losses within a retention or deductible layer under any program structure.
The people who see the loss runs and the collateral demands, and who answer for both at renewal.
Distribution, food, construction, and industrial operations running their own trucks under the same program structures — with the same unworked files.
Both audits work from records you already have or are entitled to as the policyholder. Neither interrupts your operation, and both are structured so you pay from what is recovered — not from a retainer.
When your driver wasn’t at fault, the at-fault motorist’s insurer owes you the repair bill you paid within your deductible. When a shipper’s crew loaded the trailer and the load failed, the shipper owes you the cargo claim you absorbed to keep the customer. When a co-defendant underpaid its share of a settlement you funded, contribution is owed.
These recoveries exist in nearly every fleet’s closed files — and the parties handling your claims have limited incentive to chase them. A TPA administering claims inside your deductible is not paid on what it recovers for you, and its subrogation performance is rarely measured. We measure it. Recovered dollars pay a fleet twice: once as cash, and again as credits against your loss runs — which feed your experience rating, your collateral negotiations, and your renewal pricing.
The same audit discipline, pointed at your disbursement history. High-volume payables operations leak money in predictable ways: invoices paid twice under different vendor identities, vendor credits issued but never applied, deposits never returned, contract pricing never reconciled against what was actually billed. We audit your payment history against vendor records and recover the difference.
Some of your recoveries run against uninsured or underinsured motorists and defunct counterparties. Fifteen years of civil financial investigation — asset profiles, corporate structure tracing, open-source intelligence — tells us which of those are collectable before anyone spends money pursuing them, and supports collection on the ones that are.
Every structure keeps our economics tied to the dollars we return to you — not to billable hours.
Our standard structure. We advance our own costs and take a defined percentage of what is actually recovered. If a file produces nothing, it costs you nothing.
For fleets that want the picture before committing: a fixed-fee review of program structure and loss runs, producing a sizing report on the addressable inventory. Credited against contingency fees if the engagement proceeds.
We will also tell you when there is nothing to find. If your TPA has been working subrogation properly, the audit proves it — and that answer is worth having too.
We are paid from recoveries, not retainers. Nobody else touching your claims is compensated that way.
The deliverable is recovered dollars and corrected loss runs, not a memorandum recommending that someone else do the work.
Self-insured retentions, large deductibles, fronted paper, MGA-administered programs: we work inside these structures daily, and we know where recovery rights sit in each layer.
We don’t place insurance and we don’t administer claims. We audit one measurable function — recovery — and work alongside the parties already at the table.
Every file gets a statute-of-limitations date and a disposition. The audit’s first deliverable is the list of what is about to be lost.
To discuss your program, reach out by phone or email. We respond within one business day. Engagements accepted nationally.