Hunter NelsonOwner of Nelson Insurance Agency

Insurance Captive Secrets From Self Insurance to RRG Success

10 Sept 2026 · 1 min

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In this segment, Hunter Nelson explains how a large transportation insurer began as a captive insurance vehicle—essentially a form of self‑insurance—and later transformed into a Risk Retention Group (RRG). The company, which operates roughly 4,500 trucks, opened its captive to external participants, creating a stable, long‑standing insurance product that has been in operation for over three decades. Nelson highlights that the captive’s structure was an ROG (RRG‑like) from the start, emphasizing that prospective insurers now have the chance to join this established captive rather than starting a new entity from scratch.

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Again, there are one or two that are very good. Our largest, one of our largest insurance companies is actually them, is an RRG, but they started as a captive. And if you guys are familiar with the captive, it's the extent of self-insurance. And then you go from there to essentially work your way to self-insurance. You start your own insurance company, blah, blah, blah. These guys had like 4,500 trucks and opened up the captive to let other people in. That's a great product. They've been around for 30-some years. They've been in— it's been open for 30-some years. The captives have been open for longer, and you guys are getting the opportunity to join a captive. And that structure was just an ROG. It was not just started up and let's hope for the best here.