2025 Cottingham & Butler Captive Recap: Delivering Stability in Uncertain Times
- Cottingham & Butler
- 2 minutes ago
- 2 min read
The transportation industry faced significant headwinds in 2025, but our captive programs proved their worth when it mattered most. Through disciplined risk management and the strength of collective partnership, we didn't just weather the storm - we thrived. As we close out the year, the results speak for themselves.
Early Planning, Better Outcomes
Timing matters in insurance planning. This year, members across all 8 Cottingham & Butler trucking captives received their renewal terms an average of 46 days before their renewal date. This early delivery gave our members the runway they needed to make informed decisions and plan confidently for the year ahead.
Rate Relief Where It Counts
While the broader market faced obstacles, our captive members saw meaningful rate improvements. 34% of trucking captive members received Auto Liability rate decreases at renewal, and an even more impressive 60% saw their Work Comp rates go down. These reductions reflect the power of collective risk management and the strength of our membership.
A Vote of Confidence
Perhaps the most telling metric: we maintained 100% voluntary retention across all transportation captive program members. When renewal time came, every single member chose to stay. This isn't just a retention number - it's a testament to the value, service, and partnership our captive programs provide.
Returning Value to Members
The captive model operates on a simple principle - when the program performs well, members share in that success. In 2025, we returned $22.9 million in dividends to trucking captive members, dollars that went back into their businesses rather than disappearing into traditional insurance markets.
Looking Ahead
These results didn't happen by accident. They reflect the power of what's possible when transportation companies come together with a shared commitment to building something better than what the traditional market offers. While the traditional market continues to fluctuate, our captive members are building stability, retaining more capital, and planning with confidence.
Together, we can achieve more.