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About Fleet United

Values
History
Expertise

The commercial auto and workers’ compensation markets have become increasingly complex, selective, and difficult to navigate.

 

In today’s environment, strong results don’t come from shopping insurance—they come from building a better risk.

 

The Fleet United Method is our structured approach to doing exactly that.

 

We position this like a system.

Step 1: Deep Risk Analysis

Every engagement begins with a comprehensive evaluation of your operation.
We analyze:
  • CAB reports and alert activity
  • CSA/SMS scores and violation trends
  • Loss runs, claims development, and reserve positioning
  • Driver profiles and fleet composition
Particular attention is given to recurring violation patterns—such as brake violations, speeding trends, or load securement issues—that can significantly impact your CAB score and trigger increased roadside enforcement.
This allows us to identify the true drivers of cost and underwriting concern.

 

Step 2: Identify Gaps & Opportunities

Once the data is analyzed, we isolate key areas impacting your risk profile, including:
  • Repeating claim patterns
  • Operational inefficiencies
  • Driver-related exposures
  • Violation trends across inspections and roadside activity
For example, patterns such as recurring brake violations, multiple speeding infractions, or load securement issues can elevate CAB scores and lead to increased scrutiny, including optional or mandatory roadside pullovers.
Identifying and correcting these trends is critical to improving both safety performance and underwriting outcomes.

 

Step 3: Operational Alignment

We work alongside your team to implement targeted improvements, such as:
  • Driver screening and training protocols
  • Telematics and fleet management systems
  • Pre-trip and post-trip inspection procedures
  • Internal safety and accountability structures
The goal is to align your operation with what underwriters expect from best-in-class risks.

 

Step 4: Claims & Data Optimization

We conduct a detailed review of claims activity and reporting data, focusing on:
  • Identifying trends across loss history
  • Evaluating reserves for potential reduction
  • Pursuing early claim closure where possible
  • Challenging inaccuracies through DataQs and corrective actions
These efforts help improve both loss history and CAB/CSA profiles, directly impacting how your risk is priced.

 

Step 5: Strategic Market Positioning

Once improvements are made, we prepare and present your account to the insurance marketplace with clarity and intent.
This includes:
  • Structuring submissions around strengths and improvements
  • Highlighting operational changes and data-driven insights
  • Targeting the right carriers based on risk profile
The result is a submission that stands out—and commands attention from underwriters.

 

Step 6: Continuous Improvement

Our process doesn’t stop at placement.
We continue to monitor performance, refine strategy, and guide ongoing improvements throughout the policy term.
This ensures long-term results—not just a one-year win.

 

The Outcome

The Result

When properly executed, this process leads to:

  • Lower total cost of risk
  • Improved underwriting outcomes
  • Greater stability at renewal
  • Stronger carrier relationships
  • Increased operational efficiency and profitability

Because in today’s market, the companies that win are not the ones who shop the hardest—

They’re the ones who operate the best.

We don’t chase the market.
We position our clients to be the kind of risk the market competes for.
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