For Captives, Insurers, and the Fleets They Cover

Our Services

Strategic compliance, telematics intelligence, and risk advisory services designed to turn operational data into measurable financial outcomes.

Zorro Risk Management provides field risk control, compliance program development, data and AI advisory, and expert support for captive insurance companies, captive managers, fronting carriers, underwriters, and the fleets and operations they insure. Our work focuses on execution, defensibility, and measurable loss-cost impact — not theory, software resale, or checkbox compliance.

Field Risk Control Services

The core function captives hire us for. We serve as your outsourced risk control department — assessing insureds in the field, scoring risk consistently across your book, and producing documentation that satisfies boards, fronting partners, and domicile regulators.

What We Assess;

•  On-site and virtual risk surveys for new and renewing insureds

•  DOT and FMCSA compliance audits across all applicable BASICs

•  OSHA program reviews, jobsite and warehouse safety assessments

•  PPE program assessments and gap analysis

•  Forklift and powered industrial truck programs, including asset tracking strategy

•  Fleet telematics program reviews and data-quality audits

•  Fuel, maintenance, and equipment lifecycle program evaluations

•  Pre-bind surveys and renewal risk reports for underwriting

Best For: Single-parent and group captives, captive managers, fronting carriers, and MGAs needing consistent, portfolio-wide risk control.

Two women in an office setting, one wearing a black blazer and the other in a blue top, are standing at a wooden table with a laptop, a paper notepad, and a coffee cup. They appear to be discussing something.
Discuss a Risk Control Program

Risk Advisory & Program Development

We build and maintain the risk management infrastructure your insureds are often missing — the policies, procedures, training, and continuity plans that reduce losses and demonstrate a documented standard of care. These are not downloaded templates. Every deliverable is aligned to the operation's size, model, and risk profile.

What We Build;

•  DOT policies and procedures, drug and alcohol programs (FMCSA-aligned)

•  Driver onboarding, qualification, and post-incident response SOPs

•  Safety and compliance SOP libraries with revision control

•  Business continuity planning (BCP) and emergency management programs

•  Sustainability, fuel efficiency, and emissions reduction programs

•  Training curricula, toolbox talks, and safety infographics

•  Annual program audits with corrective action tracking

•  Ongoing retainer oversight with quarterly executive reviews

Best For: Captives raising the risk quality of their membership, and insureds required to close gaps identified in a survey.

A group of young students, some wearing hijabs, sitting around a table with colorful sticky notes and papers, engaged in a collaborative activity. One student holds a pink note, and a teacher is assisting the students.
Request Program Development Support

Data, Telematics & AI Integration

Collected but unaddressed safety data creates liability instead of protection. We audit, operationalize, and monetize fleet data — turning telematics into lower losses, stronger renewals, and documentation that holds up under scrutiny.

What We Deliver;

•  Flagship engagement: Telematics + DOT Program Audit — a comprehensive, insurance-ready assessment of data quality, usage gaps, ROI leakage, and FMCSA exposure, with an executive summary and KPI dashboard

•  AI-driven risk scoring and analytics strategy for portfolios and fleets

•  KPI dashboards translating safety performance into loss costs and premium impact

•  Renewal-ready data packages for underwriters and actuaries

•  Telematics vendor-neutral program design — we do not resell software

Best For: Captives and fleets with telematics investments but unclear ROI, and programs preparing for renewal or capacity discussions.

Woman with curly hair in a black outfit standing in a server room, looking at a tablet, with server racks and glass reflection visible.
Request a Telematics + DOT Audit

Litigation & Expert Support

Zorro provides expert analysis and testimony in matters involving fleet operations, telematics data, DOT compliance, and FMCSA interpretation — engaged by defense counsel, insurers, captives, and corporate risk teams. Our work is grounded in standard-of-care evaluation, defensible methodology, and real-world operational experience.

Services Include;

  • Telematics evidence analysis

  • Standard of care evaluations

  • DOT & FMCSA regulatory interpretation

  • Written expert reports and affidavits

  • Deposition and trial testimony support

  • Litigation and claims advisory

Expert credentials, CV, and prior testimony history are provided upon qualified inquiry.

Man wearing black jacket with 'Vagaro' logo, sitting at a light wood table, smiling, and waving while wearing black over-ear headphones, in a modern office with white cabinets and a large colorful abstract painting on the wall.
Request Expert Support

Workshops & Speaking

We deliver executive and frontline workshops for captive boards, member companies, and industry events — covering AI and telematics in fleet risk, DOT and FMCSA strategy, insurance and litigation trends, and emissions and fuel efficiency. Available in person or virtually, domestically and internationally.

A classroom scene with a teacher standing in front of students, wearing a black shirt and a red and white cap, gesturing with his hands. A sign on the wall behind him reads 'FULL TIME CREATOR 101'. There is a colorful poster with a star and text about a musical performance. The classroom has a large window with a mesh curtain and various papers and objects on the desk, with students sitting and listening.
Request a Workshop

Let’s Determine the Right Engagement

Not sure where to start? We’ll help you determine the right service based on your fleet, risk exposure, and objectives.

Request a Consultation