CTSA Workers’ Compensation Group

June 23, 2024

CTSA Member Comments

Here's what some of the members of our self–insured Workers Compensation group have to say about the program:
"When we formed the group, in 2003, our goal was to provide ourselves with insurance coverage at affordable prices and forever free us from outside market cycles. I have no doubt that this was one of the better business decisions I have made in my over fifty years in the trucking business."
Walt Keeney
Food Express, Inc., CTSA Chairman
Arcadia, CA


"We have benefited from claims handling second to none. All claims are handled promptly and members interests are always the first priority, with all injured employees taken good care of. We have built a solid financial base with sufficient assets to take most all of the Risk out of our self-insured group. And the frosting on the cake is that we have been able to return a large amount of premium contributions back to our members in the form of dividend distributions.

The California Workers' Compensation marketplace have evaporated again and rates have been spiraling upward. California Workers' Comp insurance company combined operating ratios for 2009, 2010, 2011 and 2012 are 136%, 137% and 136% and 127% respectively and continue to have adverse development. The results are several Work Comp Companies have left the market and the remainder have dramatically raised their rates. Because of our successful and stable reputation and operational profitability, we are now in the drivers? seat in selecting new members to slowly continue our profitable growth.

CTSA is a company owned by the Trucking Industry and operated for the benefit of the Trucking Industry and will continue to be here and remain competitive when the other players have driven away."
"We have been a member of CTSA since close to the beginning, directly participating in claims management giving us the ability to close claims. This has been very beneficial in controlling our work comp costs leading us back to returned dividends. What a great financially solid program."
Jon Cramer
CFL, Inc.
Santa Maria, CA


"Tremendous value on the claim side – you control your destiny on where the claims begin and where they end. The superior claims handling reduces our costs and the group' surplus profits are distributed back to our member owners in dividends. This is definitely a classy organization."
"Charlie, my dad, founded our company back in 1959 and we’ve built our reputation on a higher quality of personalized services. We’re pleased to be owners in CTSA and network with its Board of Trustees. Working together, new members are thoroughly screened, workers’ comp claims are minimal, our rates are lower..."
Robert Ramerino
Roadstar Trucking, Inc.
Hayward, CA


"and the profits come back to members in dividends. CTSA membership provides me with peace of mind."

Charlie Ramorino, Founder, Roadstar Trucking:

I like the idea that we are owners of this company. It's great having access to all of the Board of Trustees which is one of the reasons we joined. I appreciate the thorough screening of new members which gives me additional security."

Read More CTSA Member Comments ...

"I wanted to report a very positive experience with Susan Erickson of your company. She was beyond helpful assisting me with a difficult claim. Through her efforts and the suggestion and implementation of a Transition to work our injured worker is quickly back on the job.

I was sold on the CTSA workers compensation program based partially on aggressive claims administration. / believe Susan dealt with our injured worker in a compassionate and creative manner which I'm certain led to his prompt return. She was always there to answer my questions and provide guidance.

Our experience with this claim far exceeds our experience with our previous carrier, the State Fund Compensation Insurance program."

Jim Kelly Kelly
Freight Services, Inc.
Torrance, CA

"I like the idea that we are the owners of this Company. It's great having access to all of the Board of Trustees which is one of the reasons we joined. / appreciate the thorough screening of new members which gives me additional security."

Charlie Ramorino
Roadstar Trucking, Inc.
Hayward, CA

"I am happy to be a part of the group. Claims people are absolutely night and day over the State Fund. We can actually talk to the same claim examiner all the time. Interaction has been very positive from both an injured employee that needs the care and a business stand point. We are not just a number like we were at State Fund."

Mike Morgan
Operations Manager
R. D. Reed Heavy Transport
El Cajon, CA

"First thing I have to say, we are very comfortable with the people we are working with. They are very approachable and are truly interested in helping and doing everything they can to remedy the situation. They take the time to explain everything along the way. I truly enjoy working with the CTSA people. In my experience over the years, I have never dealt with any people that are better. Joining the CTSA Work Comp group is the right step for Truckers."

Lyndon Watt
Wattrans, Inc.
Fontana, CA

"Excellent, excellent, excellent program in controlling my costs. I get money back and I have a say in how the company is run and how the claims are handled. In my 40 plus years in the trucking business, this is the most aggressive claims handling I have ever experienced."

Lee Jennings
Lee Jennings Target Express, Inc.
Manteca, CA

"I like the fact that we as carriers have more control. We appreciate the efforts of the Board of Trustees and are proud to be part of this group"

Michelle Johnson
Johnson Trucking
Alpine, CA

Jeff' s comment upon receiving news of a recent dividend disbursement:

"I am tearing up I' m so happy"

"I am happy about the results of an aggressive investigation and undercover video surveillance on a driver's injury claim.

We believed that this claim was fraudulent and now have the evidence to reduce the loss and pursue prosecution against the driver.

I have steam coming out of my ears and I am almost tempted to play the undercover surveillance video on a closed loop in the driver' s room "

Jeff Fenton
Durkee Drayage Company, Inc.
Richmond, CA

"Money, Money, Money – Savings and dividends.

The claims handling is fantastic. Claims are watched and closed efficiently which helps me get my guys back to work and saves me money."

Dan Hubbard
Keeney Truck Lines, Inc
Maywood, CA

"We have been in the CTSA Group since it began in 2003. The greatest aspect is that we have direct access to our claims adjustor and that we have the ability to make good business decisions in settling claims. The group itself and how it is run with AVI Risk Services. and Allen Lawrence & Associates is superior to any other workers' comp program I have ever been in. Gosh, more than $5,000,000 in dividends is always nice too."

Jim Harrison
Harrison Nichols
Azusa, CA

"I like all aspects of the program that I've dealt with. More Specific? The one on one personal service. Susan has always been there for me to answer questions and help with situations. She makes you feel like you're the only one she's working with. Another refreshing quality is how claims are taken seriously. A claims isn't treated like a leisure issue that will be paid off without investigation."

Tom Chorbagian
Neal Trucking, Inc.
Riverside, CA

"Our dad, Jack Jones, started Jack Jones Trucking back in 1971 with a commitment to the safety of our employees and the community. The CTSA is comprised of trucking companies that make safety their top priority, too. As a member–owner, our workers' comp rates have decreased, we enjoy sharing in the dividends and working with CTSA's professional staff."

Valerie Liese & Erin Craig
Jack Jones Trucking, Inc.
Ontario, CA

"Very friendly and cooperative people that run the CTSA program. We enjoy working with the whole team. We appreciate how professionally our claims are handled..."

Tracy Pfaff
Gileno Distribution
Mira Loma, CA

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