Protective’s SIR product is designed to help insureds become increasingly more sophisticated by taking on more risk over time, and ultimately saving more money on their bottom line.

The target prospect for this program will possess the following characteristics:

  • Desire to control their insurance costs and manage risk
  • Seek to move away from “trading dollars” with their insurance carrier
  • Willingness to assume a minimum of $50,000 of exposure per claim
  • Has an understanding of the time-value of money

The best way to identify the right prospect is by asking: Does the insured’s historical loss experience create an opportunity where this product will result in ultimate loss savings?

Protective encourages our insureds to save money in premium through increased risk sharing. Learn more about our fleet trucking insurance options at

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