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Know the day their insurance lapses.
Not 30 days later, on the next renewal check. CarrierOk watches every carrier in your book against the FMCSA source record and tells you the day an insurance policy, an authority, or a risk signal moves against you.
A factor's exposure is the gap between a carrier's insurance or authority lapsing and anyone noticing. CarrierOk watches every carrier in your book against the federal record and reports a lapse, a revocation or a new risk signal the same day it is published, rather than at the next renewal check.
- What moves against you
- An insurance policy cancelled, operating authority revoked, a BASIC crossing its intervention threshold, or an identity signal linking the carrier to a revoked entity.
- When you hear
- The same day the filing publishes, in the app and through the API, so an open invoice is not funded against a carrier that lost coverage last week.
- Before you fund
- The full profile answers whether the carrier is who it says it is: five identifying attributes checked against every other registrant, each match named.
- Across the book
- Monitoring is priced per carrier watched, so the whole portfolio can stay under watch rather than the handful somebody remembers to re-check.
- Finding new clients
- The directory filters the registry by authority age, equipment and insurance renewal timing, so the same record that protects the book also builds the pipeline.
Where a factor gets exposed.
When a carrier in your book lets their insurance lapse, or has their operating authority revoked, you are exposed on every open invoice in their name. On a monthly check cycle, that exposure sits unseen for as long as 30 days.
CarrierOk watches FMCSA source feeds and re-ingests when an update is published, so a lapse reaches you the same day it reaches the record. You find out when FMCSA finds out, not on your next scheduled pass.
“A very easily searchable and flexible up-to-date database we can rely on more than even the DOT itself. The API enables us to use specific data fields to automate our internal back office and client facing processes.”
“All the data I need for underwriting decisions in one dashboard. The API integration into Salesforce was seamless — and CarrierOk's reputation as the superior data source is exactly why I switched from Carrier411.”
How a factor uses CarrierOk.
Three steps, and the third one runs without you.
Verify at invoice submission
Pull operating status, insurance status and the full risk signal set when a carrier submits. Identity-network flags catch a carrier that re-registered under a new DOT number to shed a prior history.
Add the book to monitoring
Every carrier you fund goes on the monitoring list, from a profile or synced through the API. From then on, CarrierOk watches them for you.
Get the same-day alert
Insurance cancelled, authority revoked, a new risk signal: it reaches your Monitoring feed the day it lands, or the API if you would rather poll for what changed.
The signals that cost factors the most.
CarrierOk computes 50+ signals across the full dataset rather than the single carrier record, which is how it catches patterns that look ordinary in isolation.
Chameleon carriers
A phone number, address, EIN or DUNS shared with other DOT numbers, the fingerprint of an operation that re-registered to shed a history. See how the detection works.
Why it matters to a factor: the history you underwrote against belongs to a different DOT number.
Insurance gap history
Prior lapses in the carrier's record, even when coverage is currently in force. A carrier that has lapsed before is materially more likely to lapse again.
Why it matters to a factor: it prices the risk of the next gap, not just the state of this one.
Authority cycling
Authority revoked and reinstated more than once, a pattern associated with compliance avoidance rather than administrative error.
Why it matters to a factor: repeat revocation is the clearest predictor of an abrupt exit.
Portfolio Risk Calculator
What one missed lapse costs.
Set your book size and average open balance. The rest is arithmetic.
Your portfolio
Carriers you have open invoices with at any given time
Average value of open invoices held per carrier
Carriers you verify and add to your book each month
Compared against
Team is preselected because it monitors 750 carriers, which covers most books.
Exposure on one missed lapse
15% of a $12K open balance
Of 351,429 carriers with active authority and insurance on file on May 1, 2025, 18% had an authority revoked and 26% lost insurance coverage for more than 30 days by April 30, 2026 (FMCSA licensing and insurance records, measured in the CarrierOk warehouse). 15% of the open balance lost on each lapse is our estimate; your own loss experience is a better input.
Also for BD teams
New Registrants feed
Newly authorised carriers every day, with contact information and equipment type, before they have settled on a factor. Sold as a bulk data product, separate from the platform subscription.
Start monitoring your carrier portfolio today.
Pro $149/mo monitors 100 carriers with a 14-day trial. Team $349/mo monitors 750 across 5 seats. No contract.