Commercial auto fleet underwriting that reads every driver, vehicle and mile before the price is set
Every driver checked on every account, not the usual quarter sampled.
See one case, screen by screen ↓A fleet underwriting solution that checks every driver, MVR and vehicle on a commercial auto account. Seven agents read the submission, every driver's motor vehicle record, every VIN, the fuel-tax miles, the public safety record and five years of losses, and lay the fleet out as one roster priced live on a fleet risk dial. The underwriter decides who is excluded and signs.
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A commercial auto submission arrives as a stack: the ACORD 125 and 127, an ACORD 129 vehicle schedule, a driver list in the broker's own spreadsheet, five years of loss runs, sometimes a fuel-tax return or a telematics export. Every layout is different, and every MVR costs money, so the underwriter orders records for a sample of the drivers, reads them by eye and takes the stated radius on trust.
The one record nobody read is the one with the DWI. A single unqualified driver or an understated radius can turn into a nuclear verdict that the price never allowed for — and the roadside violations on the operator's public safety record can name the same drivers that fail the guidelines, if anyone puts the two side by side.
Estimated split for a mid-size fleet renewal, by hand and with the solution.
Seven specialist agents read every driver, vehicle, mile and claim; the underwriter decides who drives and signs.
Harlan Creek Building Supply Co. of Fort Worth delivers lumber, drywall and roofing to job sites. It renews on 1 Dec 2026 through Bramble & Coyle Insurance Brokers: 38 power units, 52 drivers, a $1,000,000 combined single limit and $498,200 expiring. Here is the review, screen by screen, in the working solution.
The run sits at the top of the account as a seven-step strip, each step with what it found: 52 drivers and 38 units with 50 miles stated, 52 of 52 MVRs ordered with one Oklahoma record pending, nine tractors running 111–196 miles, Unsafe Driving over the alert line, $1,092,700 incurred in five years. The run took 6 min 12 s. Run it again and it reports what changed.
“Run complete · nothing changed since 2 Oct · Ferreira’s Oklahoma record still pending”
Nora opens the account and sees all 52 drivers, each with a 36-month MVR strip: amber for minor violations, violet for at-fault accidents, red for majors, a hatched bar for a suspension or disqualification. The five who fail the guidelines sit in a red band at the top, then six to watch, then 41 clear. The fleet risk dial on the right reads 73 — outside appetite, refer.
“52 · every MVR read on 2 Oct 2026 · last year 13 of 49 were sampled”
The certified Texas abstract, every line the agent used highlighted: an at-fault rear-end on I-35W on 18 Jan 2024 (claim L-24-0018, $121,800), driving while intoxicated at a BAC of 0.11 on 22 Mar 2025, a one-year CDL disqualification under 49 CFR 383.51, and 64 in a 50 on SH-199 in August. He drives tractor T-07 and scores 13 points, the most on the account.
The MVR reader never infers a violation the record does not show.
Watts has one minor on his record but holds a Class C licence on HS-05, a 33,000 lb boom truck. The solution finds the fix in the roster itself: Rudy Salas holds a Class B CDL and drives M-12. Swap their units before inception and both drivers fit. The swap is offered as a condition on the quote; the underwriter decides whether to apply it.
“Fix without excluding: Rudy Salas holds a Class B CDL and drives M-12. Swap them and both drivers fit their units.”
Every one of the 38 units is stated at 50 miles. The Q2 2026 fuel-tax return shows 41,880 miles in Oklahoma, 11.6% of all miles, and tracker trips put all nine tractors beyond 50 miles — the farthest 196, to Oklahoma City. Re-rated from local to intermediate (51–200 miles), the tractors add $54,900. One VIN, on M-08, fails its check digit.
Never changes the schedule — it shows the evidence for every re-rate.
USDOT 3184227: 61 roadside inspections and 4 reportable crashes in 24 months. Unsafe Driving is at the 71st percentile, over the 65 alert line. Three of the nine roadside violations behind it name drivers already in the red band: Kessler for speeding, Brandt for reckless driving, Odom for a handheld phone.
Roadside violations are tied to a driver only when the inspection report names them.
Twelve claims, $1,092,700 incurred on $2,263,900 of premium: a 48.3% five-year loss ratio, and 123.7% for 2025–26 to date. The three largest claims, $894,800 or 82% of everything incurred, involve Marcus Odom and Dwayne Kessler — including Odom's May 2026 sideswipe, open at $610,000 and attorney represented.
With everyone in, the account is indicated at $676,100, +35.7% on expiring. Nora presses “Exclude the worst three” and the ladder shows each step: Kessler out, 63 and $621,200; Odom out, 54 and $571,700; Brandt out, 45 — within appetite at $522,200, +4.8% on expiring. Rosa Delgado stays in the price on a training condition.
The fleet scorer never excludes a driver itself. Only a person excludes, reassigns or accepts, with a reason.
The premium build-up shows the nine tractors rated intermediate (was local) at $29,600 a unit, a $549,700 base and a ×0.95 driver adjustment. Three Texas named-driver exclusion endorsements are drafted, each flagged “Insured signature due”, with conditions for Delgado's training within 60 days, Ferreira's Oklahoma record returning clean before binding, quarterly MVR monitoring and a telematics radius report at mid-term. The fleet review note redrafts as the quote changes.
Nora types her name to sign. $522,200 is above her $500,000 authority and carries three exclusions, so the quote goes to Victor Amaya to co-sign before the broker sees it. Once he has, it is released to Bramble & Coyle, and the exclusion endorsements go to Doug Harlan, the owner, to sign for the named insured.
“Quote released to Bramble & Coyle. Signed by Nora Whitfield and co-signed by Victor Amaya.”
The same renewal, seen by the five people who carry it — what their week looked like, and what it looks like now.
Seven specialist agents read every driver, vehicle, mile and claim; the underwriter decides who drives and signs.
Reads the ACORD 125, 127 and 129, the broker's driver list and vehicle schedule in whatever layout they arrive, matches drivers to units and builds one roster.
Orders a 3-year commercial motor vehicle record for every listed driver, reads it and turns each state's entries into one set of violation types: minor, major, at-fault accident, suspension.
Decodes every VIN and checks its check digit, sets the size class from the weight rating, and compares the stated radius with fuel-tax miles by state and tracker trips from the garaging address.
Reads the operator's public safety record by USDOT number — the safety categories against their alert lines, roadside inspections, out-of-service orders and crashes.
Reads five years of loss runs, ties each claim to a unit and a driver, and works out frequency, severity and loss ratio by policy term.
Scores every driver against the guidelines and prices the fleet — and recomputes the score and the indicated premium each time a driver is excluded, put back or reassigned.
Drafts the conditions, one named-driver exclusion endorsement per excluded driver in the state's form, and the fleet review note with each figure cited; routes the quote to the manager when it needs a co-signature.
Decides and signs; manager co-signs exclusions. The agents propose; a named person decides.
The underwriter can ask in plain words — or say who to exclude. Every answer points back to the record, the return or the loss run it rests on.
Why is Dwayne Kessler in the red band?
Three things on his Texas record: a DWI on 22 Mar 2025 (BAC 0.11, in his own car), which disqualified his CDL for a year under 49 CFR 383.51 — reinstated 22 Apr 2026; an at-fault rear-end on 18 Jan 2024 on I-35W, claim L-24-0018 at $121,800; and speeding 14 over on 9 Aug 2026. He drives T-07, a tractor that runs to Oklahoma City. He scores 13 points — the most on the account.
What does excluding the worst three do to the price?
With all 52 drivers the fleet score is 73 — outside appetite at $676,100. Excluding Kessler, Odom and Brandt by named-driver endorsement takes it to 45, within appetite, and the indicated premium to $522,200 (+4.8% on expiring). Kessler and Odom are in the three largest losses — $894,800 of $1,092,700. The insured must sign each endorsement.
Is the 50-mile radius right?
No. The application states 50 miles for all 38 units, but the Q2 2026 fuel-tax return reports 41,880 miles in Oklahoma and the trackers put all nine tractors 111 to 196 miles from the Fort Worth yard — Oklahoma City, Ardmore, Abilene, Austin, Tyler. That is the intermediate class (51–200 miles). Re-rating the tractors adds $54,900 to the base before the driver adjustment. The flatbeds, box trucks and pickups stay local.
Draft the fleet review note
Drafted on the quote screen. It covers the fleet, the five drivers who fail, the radius correction, the safety record and losses, and recommends three exclusions at a fleet score of 45 and $522,200. Because that is above your $500,000 authority, Victor Amaya co-signs after you.
13 screens from the working solution, on its sample data. Pick one to see it large.
The driver rules, points and authority limits are settings. Change one and see at once how many drivers on the account fail.
| Setting | Default | Choose from |
|---|---|---|
| Minimum age on a CDL unit | 23 years | 18 to 30 years |
| Minimum years in class on a CDL unit | 2 years | 0 to 5 years |
| Look-back for major violations | 5 years | 3 to 7 years |
| Most incidents in 3 years | 3 | 1 to 6 |
| Most at-fault accidents in 3 years | 1 | 0 to 3 |
| Points on the fleet score | Minor 1 · at-fault 3 · major 4 · suspension 5 · licence class does not fit the unit 2 · under the minimum age or years 1 | Points per event type |
| Dial bands | Within appetite 0–54 · with conditions 55–64 · refer 65+ | Your appetite |
| Underwriter authority | $500,000 | Above it, the manager co-signs |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample fleet account · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (SambaSafety — carriers commonly pull MVRs on about 25% of drivers; CAS / Triple-I, Oct 2025 — legal system abuse 22.6–30.8% of commercial auto liability losses). People, companies and accounts named on this page are fictional — characters and sample data in the working solution.
A fleet underwriting solution that checks every driver, MVR and vehicle on a commercial auto account. Seven agents read the submission, every driver's motor vehicle record, every VIN, the fuel-tax miles, the public safety record and five years of losses, and lay the fleet out as one roster priced live on a fleet risk dial. The underwriter decides who is excluded and signs.
Every listed driver's. On the sample renewal all 52 records were ordered, where 13 of 49 were sampled the year before; 51 came back and were read, and the Oklahoma record not yet returned is shown as pending. A record ordered in the last 90 days is reused.
The vehicle and radius checker compares the radius on the application with the fuel-tax return's miles by state and with tracker trips from the garaging address, then sets the radius class: local up to 50 miles, intermediate 51–200, long distance over 200. It never changes the schedule; it shows the evidence for every re-rate.
The fleet scorer gives each driver points from your guidelines — for minor violations, at-fault accidents, majors, suspensions, age, years in class and licence class — and the fleet score is 20 plus 44 times the average points of the drivers priced. The score sets the appetite band and the driver adjustment on the premium, and it is recomputed each time a driver is excluded, put back or reassigned.
No. Only a person excludes, reassigns or accepts a driver, with a reason. The fleet review writer drafts the named-driver exclusion endorsement, which takes effect only once the named insured signs it, and every exclusion is co-signed by the underwriting manager.
Yes. The agents read, score and draft; the underwriter decides and signs. Above the underwriter's authority, or when the quote carries an exclusion, the manager co-signs, and nothing is sent to the broker before both signatures.
ACORD applications and vehicle schedules, broker driver lists, motor vehicle records, fuel-tax returns, telematics trips, the operator's public safety record by USDOT number, prior carrier loss runs, and your own guidelines, rate tables and state endorsement forms.
The Agentic Solution Engine builds and deploys it from your requirements — your driver guidelines, rate tables, authority letters and a sample of past fleet submissions — and it goes live once every quality gate has passed. We will walk you through it on your own accounts first.
Submissions ready to price the same day, poor fits declined in minutes.
1-min demoLoss Run Analysis AutomationLoss summaries in minutes, not an hour per account, each claim traced.
1-min demoSchedule of Values ValidationEvery location geocoded and its COPE gaps flagged before the property is priced.
1-min demoWe’ll run Commercial Auto Fleet Underwriting on a sample of your own fleet submissions.