American Trucking & Transportation Insurance

What American Trucking & Transportation Insurance does

American Trucking and Transportation Insurance Company, RRG (ATTIC, RRG) is a member-owned captive risk retention group formed in September 2002 and domiciled in Montana. It underwrites commercial auto liability, cargo liability, brokerage operations, and contingent auto liability coverage for large motor carriers (300+ trucks) operating in the non-hazmat, long-haul segment. ATTIC currently insures approximately 15 named member carriers operating over 7,000 trucks whose combined gross annual revenue exceeds $1 billion, with approval to issue policies in 45 U.S. states and presence in Canada and Mexico.

The business runs on a group captive model in which each insured motor carrier is simultaneously a shareholder and a board participant. Members pay actuarially determined premiums (per-occurrence limits up to $10M, deductibles $50K–$500K) determined by Pinnacle Actuarial Resources based on individual loss history, and contribute one-time capital that is contractually locked for five years with a required equity position of at least 125% of reserved bodily injury claims. ATTIC has accumulated invested assets exceeding $25 million and supports its retained risk with a three-layer reinsurance structure (totaling $9.5M above retention) arranged through AON Benfield. The capital ratio is maintained at a minimum 1.5-to-1 net written premium to capital.

Operations are lean, with approximately 14 staff based in Missoula, MT covering executive management, claims, subrogation, safety/underwriting, and accounting. Technology is built around the third-party Origami Risk platform, which integrates RMIS, claims, safety, analytics, and underwriting. The company supplements this with on-site safety and risk assessment audits, an Annual Member Safety Conference, and direct payments supporting member adoption of dash cam and speed management telematics. A.M. Best rating is 'Not Rated' (NR) as ATTIC has not pursued a rating.

Name

American Trucking & Transportation Insurance

Legal name

American Trucking and Transportation Insurance Company, RRG

Website

https://atticrrg.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

American Trucking and Transportation Insurance Company, RRG (ATTIC, RRG) is a Montana-domiciled, member-owned captive risk retention group providing commercial auto liability and related coverage to approximately 15 large U.S. motor carriers operating 7,000+ non-hazmat long-haul trucks across 45 states.

Ownership category

akta.pro rank

Product category

Commercial Auto Liability Insurance (Trucking)

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Commercial auto liability
• Trucking insurance captive
• Risk retention group
• Motor carrier insurance
• Cargo liability coverage

Headquarters

HQ city

Missoula

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Technology or R&D, Marketing or Sales

Revenue model

1. Insurance Premiums: ATTIC, RRG generates revenue primarily through commercial auto liability insurance premiums, brokerage operations coverage, contingent auto liability for brokered loads coverage, and cargo liability coverage. Premiums are actuarially determined by Pinnacle Actuarial Resources based on individual motor carrier member's loss and claims expense history. Members pay premiums sufficient to cover expected losses, expenses, and underwriting costs with credits for expected losses within large deductibles and investment income earned on premium.
2. Capital Investment from Members: Each motor carrier insured is also a shareholder (member) of ATTIC, RRG. Capital investment depends on initial policy premium amount. The investment is a one-time payment to meet regulatory capitalization and create equity necessary for long-term stability. Initial investment is contractually obligated for five years. Members must maintain equity position at least 125% of reserved bodily injury claims below retention.
3. Investment Income: ATTIC, RRG has accumulated invested assets exceeding $25 million. Investment income earned on premium and invested assets covers a significant portion of operating expenses, which is credited back to reduce members' premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

ATTIC, RRG is a member-owned risk retention group captive insurer providing commercial auto liability insurance to large non-hazmat long-haul motor carriers operating 300+ trucks. Coverage includes commercial auto liability (up to $10M per occurrence), cargo liability, brokerage operations, and contingent auto liability for brokered loads, paired with claims management and safety/loss control services. Members pay actuarially determined annual premiums and a multi-year capital investment, gaining equity ownership, governance rights, and access to investment income credits on premiums.

Product overview

ATTIC, RRG operates as a single-product insurance Risk Retention Group (RRG) rather than a platform-plus-modules architecture. The core offering is a captive insurance structure providing commercial auto liability insurance for large motor carriers (300+ trucks) in the non-hazmat trucking industry. This core product is supplemented by cargo liability coverage, brokerage operations coverage, contingent auto liability for brokered loads, and supporting services including claims management, safety/loss control audits, and risk assessment reporting. The RRG structure itself represents the primary product architecture, with member motor carriers gaining ownership stakes in exchange for premium payments and capital investment.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Auto Liability Insurance Primary commercial auto liability coverage for motor carriers operating in non-hazmat, long-haul trucking environments, with per occurrence limits up to $10,000,000 and deductible options between $50,000 and $500,000. Targeted at large motor carriers operating 300+ trucks.
• Cargo Liability Insurance

Quantifiable outcome

• Members operate over 7,000 trucks with combined gross annual revenue exceeding $1 billion
• +2 more outcomes

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Advance Structure Risk ServicescoreGTM or Marketing PartnerLocated out of Dallas, TX. President David Cauble leads ATTIC, RRG's business development program marketing the risk retention program to the selective target market of large motor carriers.
• Pinnacle Actuarial ResourcescoreTechnology or IntegrationLocated in Bloomington, IL. Provides actuarial analysis of loss data and financial performance. Specializes in trucking insurance programs including individual and group captive entities. Utilized for premium determination based on individual loss and claims expense history.
• Johnson Lambert, LLPcoreImplementation/ SI/ Consulting PartnerLocated in Burlington, VT. Retained beginning with December 31, 2019 audit and tax year. Has many years of alternative risk insurance auditing and tax preparation work.
• AON BenfieldcoreStrategic or Co-development PartnerOffices in Chicago, IL and London, UK. Serves as ATTIC, RRG's reinsurance broker and consultant. Worldwide leader in reinsurance industry, well versed in reinsurance needs of captive insurance companies. Arranges three-layer reinsurance structure totaling $9.5 million in coverage.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Progressive Commercial: Largest U.S. commercial auto insurer by premium, offering commercial truck coverage as part of a broad personal and commercial lines portfolio — overlapping commercial auto product with ATTIC but serving a much wider customer set including small carriers.
• Zurich North America: Global commercial insurer with a dedicated transportation practice underwriting large fleet and trucking accounts — overlapping product but operating as a broad incumbent with a much larger portfolio and A.M. Best A+ rating versus ATTIC's NR status.
• Sentry Insurance: Large mutual insurer with significant commercial auto and transportation business alongside broader commercial P&C lines — comparable commercial auto product but a much broader portfolio than ATTIC's trucking-only focus.
• AIG (Travelers/Starr) Transportation: Large specialty commercial insurer with dedicated trucking and transportation practice — comparable commercial auto product and target customer (large motor carriers), but operating as part of a much larger diversified P&C portfolio.

Direct peers

• Great West Casualty Company: One of the largest direct writers of commercial auto and truck insurance in the U.S., specializing in long-haul motor carriers with large fleets — directly comparable to ATTIC's target member profile and core product line.
• Canal Insurance Company: Specialty commercial auto insurer writing exclusively for the trucking industry, with concentration on larger fleet accounts — directly comparable niche focus and customer profile to ATTIC.
• National Interstate Insurance Company: Specialty commercial property and casualty insurer focused on transportation, including commercial auto for passenger, trucking, and moving companies — highly comparable customer base and product mix to ATTIC's motor carrier members.
• Berkshire Hathaway GUARD Insurance: Commercial auto and trucking specialist within Berkshire Hathaway, serving commercial auto and fleet customers with specialty commercial auto products overlapping ATTIC's commercial auto liability offering.
• Northland Insurance Company: Specialty commercial auto writer, particularly strong in truck and fleet insurance — directly comparable product and target customer base (long-haul motor carriers) to ATTIC.

Emerging players

• Cover Whale Insurance Solutions: Tech-enabled commercial trucking insurance platform using telematics and data-driven underwriting for commercial auto — emerging player applying modern tech/analytics to the same commercial trucking insurance segment ATTIC serves, but with a tech-platform model rather than captive structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/attic-rrg

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Trucking & Transportation Insurance