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Price trucking risk on data your competitors don’t have.
Underwrite the whole book: find the carriers worth quoting, price them on data most underwriters never see, and know the day a risk you already wrote changes. All 7 BASICs computed in-house, including the two FMCSA does not publish.
Every unit we have seen on the road in the last 24 months, VIN by VIN — reconcile it against the schedule on the policy.
Underwriting a motor carrier turns on data the public file withholds. CarrierOk computes all 7 BASIC percentiles, including Crash Indicator and Hazardous Materials, returns the ISS score with FMCSA's recommendation band, and carries insurance as the insurer filed it, for any FMCSA registrant.
- The two withheld BASICs
- FMCSA's public SMS site publishes five of seven percentiles. CarrierOk computes all seven from the underlying measure and violation data, so a submission is priced on the full set.
- Insurance history
- Every filing with its insurer, limit, effective date and how it ended, so a gap between a cancellation and the next policy is visible rather than inferred.
- Finding the business
- The directory filters the whole registry by authority, equipment, fleet size and insurance renewal timing, so the same subscription sources submissions as well as rating them.
- After you bind
- Monitoring reports authority, insurance and safety changes on a written risk the same day they are published.
- Explaining a decline
- Each risk signal is its own named field traceable to the filing behind it, so a decision can be documented rather than asserted.
Find it, price it, then watch it.
Most teams arrive looking for one of these and stay for the other two, because the same record answers all three.
Find the book worth quoting
Search every FMCSA registrant by fleet size, equipment, operating radius, authority age and safety profile — then export the carriers that fit your appetite, with contact names and phone numbers. Agencies use this as a lead source, not just a lookup.
See the Directory →Price the submission
All 7 BASIC percentiles, the ISS score, policy-level insurance, fleet variance and 50+ risk signals in a single profile — the standardised output that goes in the file.
See the risk data →Watch what you wrote
Every policy on the monitoring list. A same-day alert when authority changes, insurance lapses, or a new BASIC goes into alert — so a mid-term deterioration reaches you before the renewal does.
See monitoring →Manual carrier research spans four or five systems, and still misses signals.
The typical workflow pulls FMCSA SAFER, checks QCMobile or CAB, verifies insurance on a separate system, looks up fleet data on NHTSA, then assembles the picture by hand. Every submission is reassembled from scratch, and nothing about it is standardised enough to put in the file.
And it still does not surface chameleon carriers, shared-identifier anomalies, or the gap between the fleet a carrier files and the fleet actually on the road.
Underwriting one submission today
- 1Pull FMCSA SAFER for operating status and basic data3 min
- 2Check BASIC scores in QCMobile or CSA4 min
- 3Verify insurance on L&C system or FMCSA3 min
- 4Look up fleet data on NHTSA5 min
- 5Manually compile and assess risk5+ min
One search. Complete risk picture.
Pull profile
Search by DOT or MC number and the whole picture arrives in one call: operating status, all 7 BASICs, ISS, policy-level insurance, observed fleet and risk signals.
See the risk
Every signal is labelled, scored and explained, and the reliability signals are shown alongside them. No manual interpretation, and a standardised output for the file.
Quote with confidence
Export a PDF or push the data into your quoting system through the API. Set monitoring for the renewal, and you will know if anything moves before it does.
Price the two BASICs the public file will not show you.
FMCSA publishes five of the seven BASIC percentiles and withholds Crash Indicator and Hazmat Compliance from public view. CarrierOk computes all seven from the underlying measure and violation data, following FMCSA’s own methodology and peer grouping, so a submission is assessed on the full set rather than the public subset.
FMCSA only assigns a percentile where a carrier has enough inspection history to support one, so no source has all seven for every carrier. Where the data supports a percentile, CarrierOk computes it.
Every data point you need for underwriting.
CarrierOk computes every score in-house from the raw FMCSA data rather than passing a published number through. The two cards marked Enhanced have no equivalent in FMCSA's own API.
Fleet reported vs observed
EnhancedPower units filed on the MCS-150 against VINs actually seen in roadside inspections, with the variance flagged when observed materially exceeds reported. VIN-level, with last-seen dates.
Identity network & risk signals
Enhanced50+ signals including phone, address, email, EIN and DUNS numbers shared with other DOT numbers — the chameleon pattern, which is invisible on any single carrier record.
All 7 BASICs with history
Unsafe Driving, HOS, Driver Fitness, Controlled Substances, Vehicle Maintenance, Hazmat and Crash Indicator, with 12-month trend. The last two are computed in-house because FMCSA does not publish them.
ISS score
The Inspection Selection System score computed with FMCSA's published ISS-CSA algorithm. At 75 and above, FMCSA's recommendation becomes INSPECT — the line underwriters commonly screen against. Updated throughout the day.
Policy-level insurance
BIPD, cargo and bond coverage with insurer name, coverage amounts, effective and cancellation dates, and every prior filing — FMCSA publishes no expiry date, so the history is what tells you whether coverage has lapsed before.
Same-day monitoring
Monitor any carrier you have written. Same-day alerts for authority changes, insurance lapses, or new risk signal activity.
Switching from CAB?
CarrierOk vs. CAB
CAB leads on loss history and publishes BASIC percentiles. CarrierOk adds fleet variance, identity-network signals and same-day monitoring. Many underwriters use both — see how they compare.
See the CAB comparison →Switching from Carrier Software?
One platform replaces two tools
CarrierOk consolidates DOT Leads, Alert VU and similar tools into one subscription with monitoring, the Directory and API access included.
See the Carrier Software comparison →Underwriting Time Calculator
See what manual carrier research costs you.
Your submissions and your minutes. We do not model your loss ratio.
Your workflow
New carrier policies or renewals you underwrite each month
Manual research across FMCSA, BASICs, insurance, and fleet systems
Compared against
Pro is preselected because one underwriter's desk is one seat; pick Team for a unit that shares a book.
Underwriting time saved
$9K at your hourly rate
Assumes 2 minutes per review with CarrierOk: open the profile, read the tiles, check insurance and authority. Time only; what better selection is worth to your book is yours to judge.
Assess carrier risk in 30 seconds.
All 7 BASICs, ISS score, insurance, and 50+ risk signals in one profile.
Start free trialInsurance & Underwriting FAQ
Put a full risk picture in the file.
Pro $149/mo with a 14-day trial. Team $349/mo for 5 seats and 750 monitored carriers. No contract.