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About Fleet United

Values
History
Expertise

At Fleet United, our solutions are built around one objective:

 

to reduce total cost of risk by improving how your business operates, performs, and is perceived by the insurance marketplace.

 

We combine data analysis, operational consulting, and strategic insurance placement to deliver results that extend far beyond a policy.

Commercial Auto Liability Strategy

Commercial auto liability remains one of the most volatile and challenging areas of the insurance market.
We take a data-driven approach to underwriting strategy—analyzing CAB reports, CSA/SMS scores, driver behavior, and safety trends to identify weaknesses that impact pricing and carrier appetite.
From there, we work to correct those issues and present your operation as a best-in-class risk, resulting in stronger market access and more favorable outcomes.

 

Workers’ Compensation Structuring

Workers’ compensation plays a critical role in overall cost of risk—yet many companies are forced into inflexible and expensive structures.
We design programs that improve both financial efficiency and operational flexibility, including:
  • Pay-as-you-go models with real-time payroll true-up
  • Elimination of large upfront deposits
  • Structures that adapt to growth and seasonality
The result is improved cash flow, reduced surprises, and a more scalable solution.

 

CAB & CSA Data Analysis

Data drives underwriting decisions—and we make sure your data tells the right story.
We conduct deep analysis of:
  • CAB scores and alert activity
  • CSA violations and trends
  • Safety history and inspection data
Our process identifies inefficiencies that can be corrected, helping improve your risk profile, insurability, and long-term pricing trajectory.

 

Fleet Management & Operational Consulting

Insurance performance is a direct reflection of operational discipline.
We work alongside our clients to implement best practices across their fleet, including:
  • Telematics and fleet tracking systems
  • Driver training and incentive programs
  • Pre-trip and post-trip inspection protocols
These improvements reduce claim frequency, improve safety, and strengthen your position with carriers.

 

Claims Review & Advocacy

Claims history is one of the most significant drivers of premium—and one of the most overlooked areas for improvement.
We conduct detailed reviews of loss runs and open claims, focusing on:
  • Identifying trends that signal operational issues
  • Evaluating reserve levels for potential reductions
  • Exploring opportunities for early claim closure
Where appropriate, we assist in pursuing DataQs and corrective actions to challenge or remove inaccurate violations and accidents—improving both CAB and CSA profiles.
The result is a cleaner loss history and stronger underwriting position.

 

Driver Profiling & Risk Selection

The quality of your drivers directly impacts your ability to secure and maintain competitive insurance.
We implement structured driver evaluation processes, including:
  • MVR analysis and screening protocols
  • Ongoing driver performance tracking
  • Risk-based hiring and retention strategies
This ensures your fleet is staffed with operators who align with both safety standards and underwriting expectations.

Loss Control & Safety Implementation

Sustainable cost reduction comes from consistent execution.
We help build and refine safety programs that reduce both frequency and severity of claims, including:
  • HOS compliance reviews
  • Inspection and maintenance protocols
  • Internal safety accountability systems
Over time, these improvements translate into measurable reductions in loss activity.

 

Program Design & Market Strategy

Not all insurance programs are created equal.
We structure and negotiate solutions tailored to each client’s operation, including:
  • Mono-line and layered program design
  • Access to specialized markets
  • Alternative risk and cost-containment strategies
Our goal is to align your insurance structure with your operational reality and long-term financial goals.

 

Built for Performance

Every solution we provide is designed with a single purpose:

to make your business more insurable, more efficient, and more profitable.

In a market where carriers are increasingly selective, the companies that win are those that operate with discipline and present themselves accordingly.

That’s where we come in.

Contact Us