Insurance is the fastest-growing cost in trucking — up 47% over the past decade. The only durable way to fight it is fewer accidents.
Fleets without a real safety program get the market premium. Fleets with one get 15–35% off through experience modifier and broker relationships.
1) Hiring screen (MVR + PSP). 2) Onboard telematics with scoring. 3) Dash cams (forward + driver-facing). 4) Accident review board. 5) Monthly coaching with the bottom 10%.
Score on outcomes (preventable accidents, OOS events) plus behaviors (hard brakes/100 mi, speeding events). Publish leaderboards. Tie bonuses to score brackets, not to single events.
Loss ratio drives renewal. A clean 3-year loss ratio (<40%) gets you 15–25% off. Add a documented program with cameras and you stack another 5–10%. Brokers will share the math if you ask.
Yes — most major commercial auto insurers offer 5–15% discounts for forward + inward cameras. Claim costs typically drop 20–60% via fault exoneration alone.
Depends on the platform, but on a 0–100 scale, fleets target an average above 85 with no driver below 70.