CarrierOk vs. Central Analysis Bureau (CAB)
CAB is the insurance industry's incumbent for trucking risk data. CarrierOk is built on the same foundational dataset, with deeper daily safety data, fraud signals, and a modern API that insurers use to power underwriting decisions. Here's the head-to-head for underwriters, agents, and factors.
Central Analysis Bureau, part of Fusable, is an insurance-side data service: fleet profiles with BASIC scores, crash and inspection records, benchmarking, predictive indicators and portfolio monitoring, sold through a subscriber portal. CarrierOk carries the same underwriting inputs plus a computed ISS score, 50+ named risk signals and a self-serve REST API, published at $149 a month. CAB does not publish pricing.
- Price
- CAB does not publish pricing; access runs through its subscriber portal and sales team (cabadvantage.com, checked September 2026). CarrierOk publishes $149 a month for one user, month to month, with a 14-day trial.
- Explainability
- CAB advertises predictive risk indicators. CarrierOk returns 50+ named risk signals as separate flags, each one traceable to the record behind it, so an underwriter can see why a carrier scored the way it did.
- Freshness
- CAB does not publish an update cadence. CarrierOk re-ingests when its sources publish rather than on a fixed clock, so the record updates throughout the day, and monitoring reports changes the same day.
- Finding carriers
- CAB profiles a carrier you name. CarrierOk also searches the whole registry by authority, insurance, equipment and renewal timing, so the same subscription finds business as well as rating it.
- API
- CAB access is portal and sales led. CarrierOk is a self-serve REST API with public documentation, a free sandbox and pay-as-you-go pricing.
CAB earned its place in insurance workflows over decades, and CAB Premium is a real platform: fleet profiles, benchmarking, portfolio monitoring, valuations through Price Digests. What CarrierOk changes is the depth, the speed, and the terms. Daily violation, crash, and inspection data, surfaced in full the day sources publish. Risk that covers fraud as well as safety, with 50+ chameleon signals. And the full profile, with all 7 BASIC percentiles and ISS computed in-house, one modern API call away: the same endpoint insurers already use to power underwriting decisions. All at published prices, on plans you can start today.
Last updated September 2026.
What is CAB?
Central Analysis Bureau (CAB) is one of the longest-standing names in transportation insurance data, now part of Fusable (formerly Randall-Reilly) alongside Price Digests and RigDig. Its CAB Premium subscription gives underwriters and agents fleet profiles with BASIC scores, crash and inspection records, benchmarking, predictive risk indicators, and portfolio monitoring, with fleet valuations through Price Digests.
Pricing and update cadence are not published; access runs through its subscriber portal and sales team. That makes the practical comparison about speed, explainability, and terms: how current the record is, whether the risk assessment can be inspected, and whether you can start without a procurement cycle.
Built for the next decade of underwriting.
CAB defined an era of trucking risk data. Here is what teams that switched tell us moved them forward:
“We wanted to modernize our underwriting workflow.”
The teams winning trucking business now pull full carrier profiles straight into their own rating and intake systems. CarrierOk's API returns the complete record in one call: all 7 BASIC percentiles and ISS computed in-house, policy-level insurance, VIN-decoded fleets, 50+ signals. Some of CarrierOk's largest customers are insurers powering underwriting decisions exactly this way.
“The report was right on quote day.”
A point-in-time report answers the day you pull it. Then the book moves: an insurance filing lapses, an authority flips, violations post. CarrierOk keeps every record live, timestamps each change, and alerts the same day it lands in federal sources.
“We needed the risk score to hold up in the file.”
When a decision gets challenged, a score alone is a thin file note. CarrierOk's 50+ signals are named and inspectable: what fired and when, written down in terms an auditor can read.
“The whole product feels ten years younger.”
Faster to load, faster to search, current the day sources publish. Zoom into one carrier's full inspection history, then zoom out and filter the whole FMCSA universe to your target market, in the same tool.
“Renewal targeting finally felt precise.”
Policy-level filing and renewal dates, filterable across a territory in seconds. Agents time outreach to the window when a carrier is actually shopping, without maintaining a spreadsheet on the side.
Where each one wins.
Competitor cells from their published materials, as of September 2026
Scroll the table sideways to compare all three →
| Feature | CarrierOk | CAB |
|---|---|---|
| Update cadence | Throughout the day, on publish | Not advertised |
| Risk scoring | ISS, all 7 BASIC percentiles, 50+ named signals, chameleon detection | Predictive risk indicators; underwriting fraud detection |
| Policy-level insurance history | Yes | Offered |
| Portfolio monitoring | Same-day alerts on authority, insurance, and safety changes | Loss control, loss intervention, and portfolio monitoring |
| Market-wide filtering (appetite fit) | 50+ filters across 12 groups | Report-centric; benchmarking tools |
| Insurance renewal-window targeting | Yes | Not advertised |
| VIN-decoded equipment data | Every VIN, tied to a live carrier profile | Via Price Digests (VIN decoding + valuations) |
| Fleet & asset valuations | Not offered | Price Digests, Fleet Values Auditor |
| API access | Self-serve keys, free sandbox, pay-as-you-go | Integration APIs for select tools |
| Chrome Extension | Yes | Not advertised |
| Pricing | From $149/mo, published, month-to-month | Not published; via sales |
All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Information about third-party products is based on each vendor’s publicly available materials and customer reports as of September 2026; capabilities and pricing change; confirm current details directly with each vendor. Statements identified as customer reports reflect individual experiences and may not be representative.
The record keeps watching after you bind.
A report is a snapshot of quote day. CarrierOk's record is live for the whole policy term: inspections, crash events, authority changes, and insurance filings land timestamped, the day the sources publish.
Put your book on monitoring and the changes come to you: pending cancellations, revocations, and safety events, same day, across every carrier you cover.
Modernize the underwriting workflow.
CarrierOk's REST API returns the full carrier profile in one call: all 7 BASIC percentiles and the ISS score, computed in-house, with policy-level insurance, VIN-decoded fleet data, and 50+ risk signals attached.
Some of CarrierOk's largest customers are insurance companies ingesting exactly that endpoint to power underwriting decisions and move faster on new business. Sales teams run on the same source: filter the market to your appetite, time renewals, export to CRM.
The sandbox is free and self-serve. Your team can make the first call today.
Deeper safety data, surfaced in full.
Violations, crashes, and inspections land daily, and CarrierOk surfaces the history in full rather than a summary: every inspection with its violations, every crash event, timestamped.
That depth is what switching teams mention first, because it is the raw material every risk decision and every score is built from.
Fraud risk, not just crash risk.
Safety scores measure how a carrier drives. They don't catch a carrier that shut down and re-registered under a new DOT to shed its record, and a GAO study found carriers with chameleon attributes were three times more likely to be involved in a severe crash.
CarrierOk screens every record against 50+ risk signals, including the 5 network-graph checks behind chameleon detection: shared address, EIN, email, phone, and DUNS across authorities. Each signal is named, with what fired and when.
Policy-level insurance history.
Underwriting starts with the insurance record: BIPD amounts and carriers, filing and cancellation dates, gaps and reinstatements. CarrierOk resolves it policy by policy, with the history intact.
Status alone tells you a carrier is insured today. The policy history tells you how they behave.
Which one is right for your team?
CAB
Who should stay with CAB?
CAB is a reasonable fit when its ecosystem is the point:
- —Fleet and asset valuations (Price Digests, Fleet Values Auditor)
- —Loss-control and loss-intervention services around your book
- —Telematics-based fleet insights via its TruckerCloud partnership
CarrierOk
Who should evaluate CarrierOk?
CarrierOk puts the same underwriting fundamentals on a live, self-serve footing: same-day records, named signals, and the whole market filterable against your appetite:
Insurance underwriters
quoting from records updated the same day, with named signals and policy-level insurance history in the file.
Agents and brokers
uncovering a risk profile in seconds and timing outreach to renewal windows across a territory.
Factoring companies
running debtor and carrier checks on live records, with new authorities surfacing the day they file.
Platform and technology teams
embedding profiles, scores, and monitoring into rating and intake systems through a self-serve API.
Compliance and safety consultants
pulling full inspection history and named signals for the carriers they manage, the day events post.
What are the alternatives to CAB?
- CarrierOk
Computed risk scoring, all 7 BASIC percentiles, policy-level insurance, monitoring across a book, and a self-serve REST API.
- RigDig BI
VIN, ownership and lien history, aimed at equipment prospecting rather than vetting.
- Carrier Details
Consolidated FMCSA data delivered as scheduled files and feeds, for teams building on the raw record.
- Carrier411
Broker vetting anchored by community-contributed carrier reliability reports.
- Carrier Assure
A letter-grade performance score for fast, consistent carrier triage.
- Staying with Central Analysis Bureau
The right answer if CAB's benchmarking and its place in your existing underwriting workflow are what you are buying.
FAQ: CarrierOk vs. CAB
Quote from today's record.
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