Hunter NelsonOwner of Nelson Insurance Agency

Trucking Insurance How Companies REALLY Make Money

11 Jun 2026 · 1 min

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In this brief segment, Hunter Nelson explains that trucking insurance carriers seldom achieve underwriting profit—approximately once every 13 years—meaning they essentially break even on the premiums they collect. Their true source of profit comes from investing those premiums in financial markets; the investment returns, dividends, and other earnings generated before claims are paid out provide the revenue that sustains the business. This investment-driven model is presented as the core reality of how trucking insurers operate.

The matter of fact is trucking insurance companies make money once every 13 years. Uh, so that's like the actual profit. The way they actually make money is by investing your premium and it's invested and then they get money on the investment from the dividends or whatever before it is paid out. And so, um, they constantly have money rolling into this investment fund and it's paid out. It's honestly, they're breaking even. So that is the overview of trucking insurance. That is the world there.