Self-insured fleets, captives & risk pools
Every recovered dollar stays in your captive's capital.
No carrier between you and the loss. Recoveries against negligent drivers, contractors and manufacturers go straight to the retention.
Fleet incident board
Damage to your assets, matched to who caused it.
| Unit / asset | Event | Adverse party | Recoverable | Status |
|---|---|---|---|---|
| Bus 4417 | Sideswiped by box truck at layover | Box truck owner (leasing co.) | $18,400 | Demand sent |
| Plow 22 | Rear-ended at signal by pickup | Adverse driver | $9,600 | Paid |
| Depot B | Roof leak after HVAC replacement | Mechanical contractor | $41,200 | Evidence hold |
| Van 0931 | Struck by vehicle running red light | Adverse driver + employer | $12,750 | AF-eligible |
| Light pole 7-118 | Knocked down by delivery truck | Delivery company | $6,300 | Scored |
| Open recoverable this month | $88,250 | |||
Built for retentions
Three reasons programs without a carrier need this most.
Dollar-for-dollar
With no carrier sharing the loss, every recovery reduces the program's retained losses one for one.
Capital preservation
Captive and pool capital that is not paid out on recoverable losses stays available for the next catastrophic year.
Budgetable pricing
Flat per-analyzed-file pricing keeps program costs predictable for boards and member entities.
“There was no budget line to approve. We sent the files, read the manifest, and the first recoveries posted before the software would have cost us a dollar.”
FAQ
Frequently asked questions
Either a flat fee per analyzed file or the contingency model on recovered dollars. Captives and pools often choose per-file pricing so the cost is fixed and budgetable.
Either party. Some programs license Ishqkala directly and share findings with their TPA; others require their TPA to run it and report recovery yield monthly.
Yes. Damage to poles, signals, guardrails, bus shelters and buildings caused by third parties is among the most commonly missed recovery, because nobody files a first-party insurance claim for it.
Public entities pursuing recoveries generally follow the same limitation periods as private claimants, but the engine also tracks the notice deadlines that apply when another public entity is the adverse party.
Find the millions hiding in your closed claim files before the Statute of Limitations expires.
We'll scan a batch of 500 closed claims for free and deliver an itemized recovery manifest within 5 business days.