For Team TRB, growth is not only measured in new locations or greater community involvement, but it’s also reflected in seeking new ways to help our clients succeed. This recent case from TRB Insurance shows how our divisions work together to deliver sophisticated, value-driven solutions for Texas businesses.
For two separate long-term banking clients, TRB Insurance identified a way to transform unpredictable insurance costs into long-term financial stability. It’s a noteworthy example of how our expanding financial services ecosystem creates opportunities to deepen relationships and deliver measurable impact.
The Situation
Two industrial companies in Texas were experiencing significant year-over-year volatility in their commercial insurance premiums. Despite maintaining strong safety records and long-standing insurance relationships, both businesses faced unpredictable costs that complicated budgeting and long-term planning.
The Solution
Following introductions through their existing banking relationship, TRB Insurance offered a new perspective, specialized knowledge, and a strategic approach focused on reducing cost volatility and improving long-term control.
In both cases, TRB Insurance introduced a captive insurance strategy, enabling ownership and direct oversight of their insurance programs, and shielding them from ongoing market fluctuations. This distinctive structure enhanced loss prevention and claims management, created opportunities to earn investment income on premiums paid, and allowed retention of underwriting profits in years with fewer claims.
The Results
TRB Insurance successfully secured business with both clients by delivering six-figure annual savings compared to their former insurance plans, realizing annual premium reductions of approximately $200,000 and $150,000 respectively.
Beyond annual savings, both clients now have the ability to generate investment income on premiums paid and to retain annual underwriting profits when loss ratios are more favorable than anticipated. This approach positions each company to return millions of dollars in value over time through reduced volatility, improved loss performance, and retained profits.
Who Can Benefit?
Captive insurance strategies may be an appropriate fit for:
- Best in class companies with strong safety and loss histories
- Financially strong businesses with demonstrated operational stability
- Entrepreneurial Owners who think beyond the traditional insurance model
- Organizations committed to safety and proactive risk management
- Companies seeking long-term stability in their insurance strategy and costs
- Businesses with $100,000+ in annual premiums (General Liability, Business Auto, and Workers Compensation ONLY)
Looking Ahead
For Team TRB, this case underscores the strength of our diversified financial services model. When we connect clients to the expertise available across our divisions, we create lasting relationships built on insight, innovation, and trust.
Every banker has the ability to identify opportunities like this. If your clients express frustration with rising insurance premiums, inconsistent coverage, or limited flexibility, reach out to TRB Insurance to explore how tailored insurance solutions may be able to support their business goals.
Each success story like this demonstrates the competitive advantage of the TRB ecosystem and the difference it can make for the businesses we serve.
