Speed
78% bind with the fastest quote
Brokers bind with whoever quotes first — not price, not coverage. Speed of response decides who gets the best business. (CIAB Market Survey)
BUILT FOR THE INDUSTRY, BY THE INDUSTRYA workbench built only forthe complexity of
A workbench built only forthe complexity of
transportation underwriting.
Transportation submissions run 500+ documents deep. The workbench reads all of them, accurately enough that your underwriters are underwriting, not data-entering.
Live SubmissionACCT-2026-TRK-0418
ABC Transportation LLC
Clearance✓ No duplicates
Appetite✓ Within guidelines
Missing docs2023 loss run — chase sent
FMCSA ISS74 / Continue — OOS elevated
Fleet sizeFMCSA 12 vs. filing 14 — flagged
Loss ratio58% — trending up, 5yr
Risk scoreModerate — quotable w/ conditions
TriagePriority — senior UW
SOURCE · CONFIDENCE · AUDIT TRAILLIVE
1–3 days
Quote turnaround, down from 2–3 weeks
30→48%
Hit ratio after deployment
65→60%
Loss ratio, 5 points recovered
By the time you’re ready to quote, they’re ready to bind
When transportation submissions take too long to become underwriter-ready, the opportunity doesn’t wait.
Cost
40% of every UW dollar lost to admin
Annual compliance for a mid-size fleet (50–200 trucks) runs $75K–$300K — most of it administrative work, not underwriting judgment.
Risk
Verdicts up 900% in a decade
Premiums up 20–40% as a result. Transportation loss ratios run 10–15 points above the commercial-lines average. (ATRI)
Judgment
Same data, different read, every desk
No single platform gives a unified read on fleet risk — fragmentation across telematics, compliance, claims, and dispatch tools compounds inconsistency.
A workbench custom-made for transportation workflows. See what it reads that others miss.
Extracting a field is easy. Knowing which signal moves the loss ratio is the job. These are the patterns the platform surfaces — the ones a 20-year transportation underwriter would look for, read at machine speed across every submission.
Driver churn is a frequency signal.
High turnover and short average tenure track with elevated loss frequency. A fleet replacing 40%+ of drivers a year underwrites differently than a stable roster.
Turnover scored on every submission — before it shows up in the losses.
Experience mix shifts the risk.
A roster weighted toward newly-licensed CDL-A drivers carries a different profile than one with a decade of average experience. The platform reads the distribution, not the headcount.
Concentration in the < 2-year band is flagged and priced.
Violation recency, not just count.
A clean three-year-old record and a fresh serious violation are not the same risk. Recent moving violations — severity-weighted — predict the next claim, not the last one.
Recent, severe violations surface to the top of the read.
A few drivers carry the exposure.
Across the roster, a small group generates a disproportionate share of violations and incidents. Scoring each driver surfaces the handful that define the fleet’s frequency.
The ~6% driving most of the risk are named at intake.
The Transportation Underwriting Workbench. One record, every submission, start to bind.
Intake
Inbound
broker@marsh.com14 files
FormatMixed PDF/XLS
Auto-detectedNew Business
Submission lands
Any format, any broker.
ACORDs, loss runs, schedules arrive by email, portal, or API — auto-classified on arrival.
Meet Peco: One assistant, three jobs.
Step 01◐ Peco Reads
Illuminate
Submission Intake · Document Extraction
Every transportation document read, structured, and validated — before an underwriter touches the file.
Step 02◑ Peco Runs
Orchestrate
Clearance · Triage · Appetite Routing
The right fleet reaches the right underwriter — cleared, FMCSA-checked, scored, ready to price.
Step 03● Peco Engages
Engage
Analysis · Integration · Automation
Read the fleet's risk. Push the bound decision downstream — with no manual handoff.
Ask Peco
ABC TRANSPORTATION LLC · DOCUMENT INTELLIGENCE
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Suggested questions
The book-level impact of platform-level underwriting.
| Metric | Before | After | Change |
|---|---|---|---|
| Hit ratio | 30% | 48% | +18pp |
| Loss ratio | 65% | 60% | −5pp |
| Quote turnaround | 2–3 weeks | 1–3 days | ↓90% |
| UW capacity | 1× accounts | 5× accounts | +5× |
Worth, annually
$10–20M
on a $1B transportation bookIn a line where loss ratios already run 10–15 points above the commercial-lines average — and a single misread account can carry nuclear-verdict exposure — this isn't incremental. It's the line between a profitable transportation book and an unprofitable one.
One of the greatest value-adds we provide to our insureds and agents is prioritisation and ease of doing business. By leveraging CogniSure's underwriting workbench, we quickly assess and input critical data into our pricing models — resulting in a clear, consistent evaluation of claim and loss history.
Accounts Director
It is the dawn of a new era of underwriting.
The carriers who move now won't just be faster. They'll be more accurate, more profitable, and harder to compete against. Don't miss the siren call of AI.