Your Insureds Have Telematics. What They Don't Have Is a Safety Program.

Cameras and ELDs generate data. They don't generate loss control. Most of your insured fleets have the hardware — and no consistent process for reviewing events, coaching drivers, managing compliance, or documenting interventions. The data sits in provider dashboards. Nobody acts on it daily. Claims files reflect what happened, not what was done to prevent it.

S.A.F.E. is the operational layer that turns your insureds' telematics data into documented, measurable safety management — deployed at portfolio scale, normalized across providers, and structured as your loss control program.

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Voluntary Referral Programs Produce Voluntary Results

The fleets that opt into a voluntary safety program are generally the ones that already take safety seriously. The fleets driving your loss ratio — the ones with unreviewed camera events, uncoached drivers, expired compliance documents, and deteriorating inspection histories — are the ones that won't engage unless the program requires it.

A carrier-referred program provides access. A carrier-funded program produces enrollment. The difference shows up in your loss ratio because consistent enrollment eliminates the self-selection bias that undermines voluntary programs. The fleets that need intervention the most are the ones that receive it.

Multiple Program Structures. One Platform.

Carrier-Funded Loss Control

The carrier funds S.A.F.E. as its own loss control program. Insured fleets are enrolled as part of the insurance relationship. The carrier recoups through improved loss ratios. This is the cleanest regulatory path — loss control is a recognized insurer function in all 50 states, requires no rate filing modifications, and avoids anti-rebating concerns entirely. White-label deployment available.

Carrier-Referred

The carrier markets S.A.F.E. to insureds at a program-negotiated rate. Insureds pay directly. The carrier facilitates but doesn't fund. Lower commitment, easier to implement, but self-selection limits measurable portfolio impact.

Phased Approach

Start with a carrier-funded pilot cohort — 10-20 fleets selected by your loss control team based on loss history or risk profile — while making a referred option available to the broader book. The pilot produces the controlled before-and-after data needed to justify program-wide expansion.

Portfolio Visibility From Book to Driver

Portfolio-Level Analytics

Your portfolio ranked by risk. Fleet-level safety scores, compliance currency, coaching engagement, training completion, and trend data — across every enrolled account. Drill down from the book to the fleet to the individual driver behind any score.

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. Underwriting and loss control see consistent, comparable risk data across the book.

Role-Based Access for Every Function

Loss Control: Watchlists, intervention tracking, coaching engagement, safety trends, fleet-level drill-down. The tools to identify which accounts need attention and verify that intervention is happening.
Underwriting: Safety scores, risk indicators, compliance standing, trend trajectories. Renewal-relevant data that goes beyond loss runs — leading indicators, not trailing outcomes.
Claims: Investigation packages, camera footage, driver records, HOS logs, coaching history. When a claim is filed, the documented intervention history is already assembled.
Actuarial: Portfolio-level trend data, cohort comparisons, incident rates, temporal maturity analysis. The data layer needed to measure program impact on loss development.
Agents/Brokers: Client-specific views scoped to their assigned fleets only.

Every Intervention Documented. Every Timestamp Preserved.

Every coaching interaction, training assignment, compliance action, escalation, and driver response is recorded with timestamps. This evidence trail isn't produced by the insured's safety manager filling out a form. It's generated automatically by the platform as part of the daily safety management process.

This documentation serves four functions: loss control reviews with evidence of active program engagement, underwriting evaluation with leading indicators beyond loss runs, claims investigation with pre-assembled intervention history, and litigation defense with documented proof of consistent safety management and driver accountability.

In a nuclear verdict environment, the question isn't whether the fleet had cameras. It's whether anyone acted on the data, coached the driver, documented the intervention, and escalated when the behavior didn't change. S.A.F.E. produces that record for every driver in every enrolled fleet, every day.

White-Label Deployment

For carriers that want to own the relationship, S.A.F.E. deploys as your branded platform. Fleet manager portal, driver portal, carrier dashboard — all presented under your brand. Your insureds interact with your program. My Fleet AI operates the backend — platform infrastructure, telematics integrations, coaching delivery, training content, compliance automation, and expert support services including 24/7 incident response and DataQ challenge management.

Implementation timeline: 4-6 weeks from agreement to first fleet enrollment. The core platform is production-ready. The implementation period covers branding, configuration, watchlist setup, and pilot cohort onboarding.

Regulatory Path

S.A.F.E. is positioned as a loss control and loss mitigation service under applicable state insurance regulations. Loss control is a recognized insurer function in all 50 states. Carrier-funded deployment falls within established loss control service provisions, avoids anti-rebating and inducement concerns, and requires no rate filing modifications — the program cost is an operational expense, not a premium component.

My Fleet AI has completed an initial 50-state regulatory analysis covering loss control provisions, anti-rebating carve-outs, telematics data privacy requirements, and rate filing implications. This analysis is available for carrier compliance and legal review. A comprehensive data privacy framework — including a universal driver authorization form designed to address biometric data, two-party audio consent, and state privacy act requirements — has been developed and is available upon request.

We recommend carrier legal and compliance review before program launch.