Self-Insured Retention (SIR) Assessment
Self-Insured Retention (SIR) Assessment is designed for trucking fleets and programs that live with their own deductible decisions every day. I take your SIR structure, loss history, and active claims and translate them into a clear picture of financial exposure, both per file and across the year.
I review SIR triggers, aggregates, and erosion mechanics, then connect those terms to actual claim patterns-frequency of heavy equipment physical damage, cargo losses, and third‑party exposures. You see exactly when a loss is likely to pierce the retention and how much of each dollar is truly yours versus the carrier's.
I also walk through practical scenarios to highlight cash‑flow pinch points and potential renegotiation opportunities for future renewals. The result is not theory, but a working view of SIR risk that supports reserving, budgeting, and claim-handling strategy for self‑insured fleets and program managers.
I review SIR triggers, aggregates, and erosion mechanics, then connect those terms to actual claim patterns-frequency of heavy equipment physical damage, cargo losses, and third‑party exposures. You see exactly when a loss is likely to pierce the retention and how much of each dollar is truly yours versus the carrier's.
I also walk through practical scenarios to highlight cash‑flow pinch points and potential renegotiation opportunities for future renewals. The result is not theory, but a working view of SIR risk that supports reserving, budgeting, and claim-handling strategy for self‑insured fleets and program managers.
Request Claims Support
Share your claim details, documents, and questions, and I will review the file, clarify needs, and respond promptly with next steps toward accurate assessment, clear reporting, and efficient claim resolution.