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Loss Control That Produces Measurable Results Across Your Entire Book
Commercial auto loss ratios don't improve because fleets have telematics. They improve when someone acts on the data consistently — reviewing events, coaching drivers, managing compliance, documenting interventions, and escalating the accounts that need it.
S.A.F.E. is the operational layer between your insureds' safety data and the loss ratio outcomes your book requires. Proprietary scoring normalized across telematics providers. Documented coaching and compliance evidence for every enrolled fleet. Portfolio-level visibility from book-wide trends down to individual drivers. Structured as a loss control service, delivered at the scale of your program.
Fleets Have Data. Most Don't Have a Safety Program.
Your insureds have cameras and ELDs. The data exists. What most of them don't have is a consistent process for reviewing events, coaching drivers, managing compliance documents, tracking training, and monitoring regulatory standing — every day, across every driver.
The result is a book of business where fleets own safety technology but can't demonstrate safety management. Claims files lack documented coaching history. Renewals rely on loss runs with no leading indicators. Underwriting evaluates risk based on what happened, not what's being done to prevent it.
Voluntary referral programs don't solve this. The fleets that opt in are generally the ones that already take safety seriously. The fleets driving your loss ratio are the ones that won't engage voluntarily.
Portfolio-Scale Safety Management With the Evidence Trail to Prove It
S.A.F.E. aggregates telematics data from multiple providers — Motive, Lytx, and others — and applies consistent behavioral scoring, automated coaching, training, and compliance workflows across every enrolled fleet. The output isn't a dashboard. It's documented, active safety management with measurable outcomes.
Proprietary scoring normalized across providers. A fleet running Motive and a fleet running Lytx are evaluated on the same behavioral standards. Fleet size, provider mix, and operational type don't distort the comparison. Your underwriting and loss control teams see apples-to-apples risk assessment across the portfolio.
Documented intervention history. Every coaching interaction, training assignment, compliance action, escalation, and driver response is timestamped and recorded. This evidence trail serves loss control reviews, underwriting evaluation, claims investigation, and litigation defense.
Role-based access for your teams. Loss control sees watchlists, intervention tracking, and safety trends. Underwriting sees safety scores, risk indicators, and compliance currency. Claims accesses investigation packages, camera footage, and driver records. Actuarial gets portfolio-level trend data and cohort comparisons. Agents see their assigned fleets only.
Portfolio visibility from book to driver. Your team can view the portfolio ranked by risk, drill into an individual fleet's safety performance, and reach the driver-level detail behind any score — without requesting reports or waiting for quarterly reviews.
Structured to Fit Your Program
We work with insurance partners across multiple program structures — carrier-funded loss control, referral arrangements, co-branded programs, and white-label deployments. Each is designed around the partner's commercial model, regulatory environment, and program goals.
The common thread: documented safety management that produces measurable leading indicators for your book, not a software license your insureds may or may not use.
Who We Work With
Carriers
Agents & Brokers
Captive Programs
Let's Talk About What a Program Looks Like for Your Book
Whether you're evaluating a carrier-funded loss control program, a referral arrangement, or a white-label deployment — we'll walk through the structure, the data, and the outcomes.
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