How to Use Risk Insights to Save Time Pre-Underwriting Trucking Prospects
Fusable Team
May 14, 2025
In the trucking insurance world, your value as an agent comes from more than just delivering quotes. Pre-underwriting helps you assess a prospect’s risk upfront, manage expectations, and protect your carrier relationships. But gathering the right data to do it well can be time-consuming, especially without the right tools.
Fusable’s Risk Insights Report offers a fast, reliable way for agents to quickly gauge a prospect’s risk, compare them to industry averages, and save valuable time during the quoting process. In this article, we break down the challenges of traditional pre-underwriting in trucking and how the Risk Insights Report helps you work smarter.
The Problem with Traditional Pre-Underwriting in Trucking
There are a number of challenges involved with pre-underwriting in the trucking industry, including:
Manual Data Collection
Thorough underwriting knowledge
Insurance carrier relationships
Manual data collection: From FMCSA data to truck valuations, without the right tools, collecting all the data you need to conduct thorough consultations is a lengthy process; especially when you must rely entirely on the client to provide you with accurate information.
Thorough underwriting knowledge: Assessing the risk of a client and underwriting them before an insurer does requires in-depth knowledge of the industry and its risk assessment processes. Though it’s important for agents to be knowledgeable of this area, achieving the same precision and accuracy as a dedicated underwriter can be challenging, which can create missed opportunities for them and their clients.
Insurance carrier relationships: If an insurance agent pre-underwrites a client inaccurately, they could risk damaging their relationship with the chosen insurance carrier who might not be willing to take on the client’s risk.
How Fusable’s Risk Insights Report Helps You Pre-Underwrite Faster
Here’s how you can use the Risk Insights Report to pre-underwriter your clients a more quickly:
Get a Quick Snapshot of Risk
When examining a new client’s risk, you not only need the right data on your client, but you also need trusted benchmarks with which to compare it.
With the Risk Insights Report, you can look at the average alert rates for different violations such as Hours of Service and Unsafe Driving. Then, you can compare those averages to your client’s unique score to paint a brief snapshot of their risk.
Save Time Vetting New Prospects
By painting a brief snapshot of a new client’s risk, you can quickly decide if the account is worth pursuing or needs more discussion. You can also identify obvious red flags and discuss those hinderances with your clients before sending them to the appropriate insurers.
This can set more realistic expectations for your clients, so they’re not surprised if their quotes turn out to be unfavorable. These red flags and discussions can also highlight areas of your client’s operations where they might be able to improve to help them lower their risk to reduce rate increases in the future.
Conclusion
Pre-underwriting doesn’t have to slow down your quoting process or put your carrier relationships at risk. With Fusable’s Risk Insights Report, you can quickly assess a new trucking prospect’s risk profile, compare them to industry averages, and start more informed conversations right from the start.
By identifying potential red flags early, you save valuable time vetting new prospects and protect your market relationships by only bringing qualified risks to insurers. Plus, you position yourself as a trusted advisor who helps clients understand their risk and improve it over time.
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