Fleet risk management
Fleet risk management combines a documented safety and maintenance program with real-time telematics, giving fleet operators a single view of their entire fleet. This is designed for organizations whose fleet program needs to demonstrate safety consistency directly to underwriters.
Why It Matters
Carriers underwrite fleets on defensibility, not just history
Carriers no longer underwrite fleet risk on loss history alone, they evaluate an organization's demonstrated safety culture and its defensibility in court and, as large verdicts rise, carriers become more selective about which fleets they'll write at all. Underwriters aren't looking for a perfect record; they're looking for a program they can trust to still be there next year.
HUB's Approach
A documented program, backed by real vehicle data
HUB structures its approach around a documented, consistently applied safety and maintenance program, supported by data that gives fleet operators a single view of their entire fleet. This combination gives an organization a defensible story to bring into an underwriting conversation, rather than relying on loss history alone.
This platform integrates driver, training, maintenance and compliance data into one dashboard, calculating cost per kilometre in real time and supporting Federal Motor Carrier Safety Administration (FMCSA) audit readiness and Compliance, Safety, Accountability (CSA) score improvement. HUB's advisors use this data to demonstrate an organization's safety consistency directly to underwriters, rather than leaving the organization to make that case with loss history alone.
HUB's Impact
A documented, data-backed program carriers can trust
Organizations whose fleet safety program relies on loss history alone turn to HUB to build a documented, data-backed program, giving underwriters a reason to extend more favourable terms and broader appetite.
Case Studies
Insights for Your Business
Fleet risk insight and research
