Underwriter Intelligence collapses the manual research step at the front of every commercial-auto submission. Instead of pulling FMCSA records, safety reports, and filing history into a spreadsheet, you enter a USDOT and the module returns a structured risk profile — authority status, safety rating, fleet composition, recent filing activity — alongside a ranked list of insurer carriers whose appetite matches the risk shape.
For underwriters, this turns a 20–40 minute triage walk into a sub-minute decision. For agents, it tells you which carriers to submit to first, ordered by likelihood-to-bind, before you spend cycles on declines.
The risk score is a transparent composite — power-unit band, authority age, safety inputs, recent regulatory activity — and every signal is sourced from primary FMCSA data, not aggregated industry estimates. The carrier-fit ranking uses the same appetite engine that powers Appetite Intelligence, applied to a single submission rather than a market view.
Key capabilities include USDOT-driven risk scoring, FMCSA enrichment in seconds, ranked carrier recommendations by appetite-fit, and persona-aware annotation for retail / wholesale / underwriting workflows.
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Prospecting
Filter the FMCSA carrier universe by fleet size, state, current insurer, and policy-expiration timing — then unlock contact data only for the carriers that match your insurer's appetite. Phone, email, and verified contact, ranked by fit, on a one-credit-per-record basis.
Carrier Intelligence
Track carrier appetite, authority changes, and competitive positioning across commercial trucking markets. Know which carriers are writing, where they are growing, and when their strategy shifts.
Territory Intelligence
Size your addressable market by state and fleet band — see total carriers, current insurance penetration, and uninsured opportunity at a glance. Built for territory planning and prospect-pool sizing.