Fleet risk management

Fleet risk management backed by real telematics data

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 designedfor organizations whose fleet program needs to demonstrate safety consistency directly to underwriters.

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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 nuclear 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 mile 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 favorable terms and broader appetite.

Case Studies

Workforce Protected

Harrisburg Dairies

High CSA/SMS scores led to a USDOT compliance audit for Harrisburg Dairies. HUB Fleet Risk Services helped the company prepare for the audit and reduce BASIC percentage scores post-audit, which will ultimately lead to better insurance coverage options. HUB is currently preparing a “Safety Rating” appeal for Harrisburg Dairies, based on their improved BASIC scores.