In 2025, there was no sudden shift in commercial fleet insurance. There was no revolution or disruption. But there was momentum.
More brokers, insurers, and fleets were moving towards data‑driven insurance workflows – seeking smarter decisions, better outcomes, and streamlined processes. At Draivn, we strive to translate this trend into clear, consistent impact for our customers:
Underwriting decisions are based on verified data rather than declarations
Quoting times compress from weeks to days
Portfolio management based on real exposures compared to defined appetites
Claims teams can gain earlier access to actionable accident insight
Fleets extract greater insurance value from their telematics investments
Brokers and insurers align more consistently around a common view of risk
This progress resulted from reinforcing Draivn principles – data quality, privacy, trust, and ecosystem collaboration – and extending their impact across underwriting, pricing, claims, and portfolio management.
Impact by role: Outcomes enabled by Draivn
Through communication with all players in the insurance ecosystem, we’ve learned that data alone is not enough. Customers value partners who understand insurance economics and help connect outputs with the right value lever and process step, rather than simply throwing a bunch of data, assuming they will figure it out on their own. In 2025, this became visible across every role in the insurance ecosystem.
Brokers: Becoming strategic risk advisors they always meant to be
For brokers working with Draivn, the improvements of 2025 were driven by three core changes:
1. Streamlined quoting process enabled by EZ Quote:
Faster data collection, validation, and structuring, eliminating manual effort and speeding up submissions, without compromising accuracy.
Intelligent appetite matching, ensuring that submissions are sent to insurers who are most likely to indicate interest and initiate the quoting process.
A unified and verified risk profile – base exposure, frequency, severity, and compliance – enhances quote relevance and competitiveness, while eliminating back-and-forth communication with insurers.
In 2025, we laid the foundation for a faster, smarter, and more collaborative quoting process. In 2026, we are planning to build better insurance quoting on it.
2. Strengthened brokers’ advisory role with Fleet Profile:
In 2025, Draivn launched Fleet Profile – a dynamic dashboard with a 360° view of fleet performance and risk – redefining broker-client relationships and opening new opportunities for their businesses:
A fundamental role shift – strategic advisor and risk partner to fleet customers.
High-value clients who understand and improve their risk profile and insurability.
Stronger customer retention through continuous guidance on how to stand out with insurers.
In 2026, we want to encourage more brokers to start shaping insurance outcomes for their customers, rather than react to rejections or unfavorable terms.
3. Eliminated the “link-forwarding” trap with EZ Enrollment
As telematics adoption increased, many brokers faced a new challenge: losing control and differentiation by simply forwarding insurer onboarding links.
EZ Enrollment addressed this by giving brokers a streamlined way to invite fleets to share data once, review and validate it upfront, and manage access throughout the policy period. This eliminated duplicate connections for fleets, ensured underwriters received clean, underwriting-ready submissions, and allowed brokers to maintain visibility and control throughout the process.
Insurers: Earlier insight, stronger decisions
For insurers, we enabled data-backed decisions across core use cases with our EZ Suite.
1. Better new business workflows
EZ Quote “cleaned up” overloaded underwriters’ inboxes, leaving only structured, validated, underwriting-ready risks aligned with their appetite. This reduced backlog, improved risk assessment quality, and allowed underwriters to focus time where it delivers the most value.
2. Long-term portfolio health
Portfolio‑level solutions such as EZ Control extended the impact beyond individual risks. It delivers:
Monitoring risks against appetite in real time at the policy level with drill down to vehicles and drivers
Base exposure guidelines (composition, mileage, geography, load type, etc.);
Scores: Severity and frequency, with driver behavior aggregated into it;
Compliance (FMCSA scores).
All in one place.
As insurers gain continuous visibility into performance trends, they can make confident decisions based on certified, high-quality data and actually manage their portfolio.
3. Streamlined claims: FNOL to resolution
Solutions like EZ Claims changed the timing of insight. Validated telematics, video, and contextual data can now be accessed days earlier – sometimes within less than 1 hour when using claims monitoring – supporting faster triage, more accurate reserving, lower search costs, and stronger fraud detection. Earlier clarity enabled claims teams to identify fast-close cases sooner and streamline claims workflows.
These improvements translated directly into faster resolution times and stronger overall claims outcomes.
In 2026, the focus expands further: extending automation, deepening analytics, and enabling even better insurance outcomes – all built on the same foundation of trusted data, embedded partnerships, and insurer-ready workflows.
Fleets: Turning telematics investments into insurance advantage
In 2025, fleets actively investing in safety had the opportunity to prove it to their insurer and influence pricing.
This was enabled by Draivn’s expanding network of TSP partnerships. By integrating with a broad range of telematics platforms and entering a record number of TSP marketplaces, Draivn allowed more fleets to securely share data with insurers in a few clicks.
As a result, fleets could:
Translate safety and performance data into access to tailored insurance programs
Reduce repetitive data requests during quoting, renewal, and claims
Move through insurance processes faster while retaining full data ownership and control
In 2026, Draivn will focus on expanding marketplace coverage further, bridging the gap between fleets and the insurance market, turning telematics investments into a financial asset for every fleet – no matter their size or provider.
Telematics service providers
Partnerships with platforms like Motive, Verizon Connect, MICHELIN Connected Fleet, Blue Ink Technology, One Step GPS, Zonar, Azuga, and others meant that more fleets could finally be rewarded for investments they had already made in safety, compliance, and operations.
But it also grants new opportunities to our TSP partners:
Stronger customer retention, loyalty, and satisfaction as TSPs help fleets secure better insurance deals.
Value proposition expanded beyond traditional fleet management with insurance-related services powered by Draivn.
Partnering with Draivn, TSPs access a wide network of insurers and brokers, facilitating new partnerships and enhancing existing relationships.
Many of these partnerships – and numerous meaningful collaborations – were strengthened through direct engagement at key industry events, including TMC 2025, Telematics Conference 2025, and MCIEF 2025. These in-person conversations helped us align priorities, deepen collaboration, and accelerate shared initiatives.
We are grateful to our partners who took the time to meet with us at these events and contributed to the progress achieved throughout the year.
Trust as a foundation, not a feature
Operational and behavioral data influences pricing, claims outcomes, and litigation exposure. Its use depends on strong security controls, clear access rights, and continuous governance.
In 2025, security and compliance increasingly shifted from differentiators to baseline expectations. Draivn’s continuous SOC 2 Type 2 compliance reinforced that data protection was not a one‑time milestone, but an ongoing operational discipline.
For our customers and partners, this enables confident, controlled, and secure data sharing. Fleets share data knowing it would be used only for agreed‑upon purposes. Brokers and insurers could rely on consistent, complete, timely, and accurate data.
Deepening integrations and applying AI with purpose
Progress in 2025 was also driven by new strategic partnerships and deepening integrations introduced in previous years.
1. Draivn x Carrier Software
In 2025, Draivn started the deeper integration of ONE API with Carrier Software dashboards. Insurers can now view and analyze fleet telematics enriched with FMCSA data & context within dashboards they already use and trust, which enables:
Faster quoting with pre-bind submission validation and risk triage.
Reduced premium leakage and faster renewals with verified exposures.
Fair & accurate pricing adjusted for seasonal mileage and geography validation.
Targeted loss control with continuous portfolio and account tracking.
The result was not just speed, but confidence – faster decisions based on verified, decision-ready data.
2. The value of existing integrations
Draivn continued to combine validated base exposure, Milliman’s frequency analysis, and Bluewire’s severity insights to deliver a more holistic view of risk. This allowed brokers, insurers, and fleets to move beyond single-dimensional indicators, better identify vulnerabilities, and make informed, forward-looking decisions.
Similarly, the integration with TomTom Orbis Maps was expanded throughout 2025. By adding richer contextual and location intelligence from TomTom’s AI-enhanced commercial vehicle maps, Draivn further improved risk assessment, underwriting accuracy, and claims context. These enhancements help insurers better understand where and in which context vehicles operate, not just how often incidents occur.
3. AI initiatives
Alongside these integrations, Draivn continued to deepen its systematic, privacy-conscious use of AI for core processes and workflows – carefully and deliberately. Rather than applying AI across the board, each use case was evaluated individually to ensure accuracy, explainability, and real operational benefit. This disciplined approach reflects a broader philosophy: AI should strengthen outcomes for customers, not replace human decision-making to tick a box.
That focus extends beyond product development. One of Draivn’s Co-founders has made AI in insurance a personal area of study and discussion, sharing insights publicly through an ongoing blog dedicated to the practical, responsible application of AI in the industry.
Looking ahead: Making progress systematic in 2026
If 2025 made progress visible, in 2026, we will make it repeatable.
In 2025, the industry continued along a path it had already chosen: using existing data more effectively. Verified, consent-based data sharing became more common, and insurance workflows aligned more closely with how fleets actually operate – delivering faster decisions, clearer risk insights, and less friction in quoting, underwriting, and claims.
At the same time, familiar challenges remain. Data is still too often fragmented across systems, manual processes persist, and critical insurance decisions are frequently made with incomplete information. These problems are not new – but they are increasingly solvable.
In 2026, Draivn continues to focus on addressing these challenges systematically: expanding ecosystem connectivity, bringing trusted data earlier into insurance workflows, and reducing friction step by step across the policy and claims lifecycle. The goal is to make data-driven insurance outcomes in commercial fleet insurance the norm, not the exception, across the entire ecosystem.
