Transforming commercial fleet insurance
Building out the ecosystem for comprehensive risk assessment
First, by 2025, Draivn has built a robust ecosystem designed for comprehensive risk assessment, comprising five core modules:Synchronize, Harmonize, Analyze, Calibrate, and Severity. These modules synergize to deliver accurate, actionable insights that drive improved risk evaluation for the commercial fleet insurance industry.
- Synchronizeenables detailed vehicle analysis, validated fleet composition for rating, and fleet inventory reconciliation. By syncing the info between brokers, insurers, and fleets, it eliminates manual data exchange, reducing time lags & errors.
- Harmonizestandardizes telematics data across platforms, harmonizes events across vendors, and enables validated mileage-based ratings, creating a unified data foundation.
- Analyzeintegrates third-party data sources to generate key rate factors, e.g. validated geographic exposure, driver behavior, and contextual analysis of events and trips, enabling data-driven risk selection and pricing.
- Calibrateprovides the actuarially validated frequency rate factor based on Milliman’s Accurate™ score, enhancing the precision of risk assessments.
- Severityintegrates Bluewire's GAP Score to identify vulnerabilities and provide industry-leading severity analytics, giving insurers a 360° view of risk.
This integrated suite of modules empowers fleets, brokers, and insurers with a comprehensive and validated risk view, enabling data-driven decisions and a more efficient insurance ecosystem.
Redefining quoting efficiency
In 2025, we are close to resolving a long-standing challenge of commercial fleet insurance – lengthy and inefficient quoting – with our upcoming solution. While we keep its name under wraps, we are sure it’s set to transform the industry for insurers, brokers, and fleets alike.
- Insurersbenefit from over 50% time savings with pre-validated data and submissions tailored to their appetite, increased productivity, faster quote turnaround, and a higher chance to credit the best risks first.
- Brokersmatch clients with the right insurers based on their appetite with a few clicks. As a result, they will secure and retain clients by offering the best insurance programs and rewarding investments in safety.
- Fleetsexperience a more efficient insurance procurement process, resulting in faster access to the best coverage at a reasonable price.
With this innovation, we’ll set a new standard in commercial fleet insurance, driving efficiency, precision, and faster decision-making for all stakeholders.
Strengthening the ecosystem
Expanding TSP partnerships: Over 84 integrations
Draivn now integrates with 84 telematics service providers, representing 85% of commercial vehicles in North America. Through this extensive network, we can seamlessly access and harmonize data from nearly any commercial vehicle, unlocking significant advantages for our clients and partners:
- Effortless data access:With integrations spanning industry leaders likeGeotab,Samsara, andVerizon Connect, Draivn provides extended data coverage, allowing insurers and brokers to analyze risk with confidence and precision.
- Enhanced flexibility:Our platform simplifies fleet onboarding across diverse TSPs, ensuring consistent data quality and streamlined insurance operations.
- Actionable insights:By consolidating data from multiple sources, we empower stakeholders to make informed decisions and enhance risk analysis & pricing accuracy.
These partnerships solidify Draivn’s position as a trusted partner in the commercial fleet insurance ecosystem.
Enriching data insights through strategic partnerships
Draivn’s strategic integrations with industry-leading solutions further enhance our risk assessment ecosystem, delivering significant value to our clients, partners, and stakeholders:
- Milliman.Draivn integrates AccuRate Fleet™ – an actuarially validated frequency score based on billions of miles of driver behavior and crash data. Insurers and brokers get a powerful tool for enhanced risk assessment, saving years of data collection.Find out more about Milliman's score in Draivn.
- Bluewire LLC. By combining exposure, frequency, and severity data with Bluewire's GAP Score, Draivn offers a holistic view of risk, allowing brokers, insurers, and fleets to make informed decisions and proactively address vulnerabilities.Learn more about the integration with Bluewire.
- TomTomOrbis Maps.Leveraging TomTom’s AI-enhanced maps, Draivn improves risk assessment and underwriting with accurate location data and real-time mapping with a focus on commercial vehicles. @milliman
- OpenWeather.The weather-related data provides insurers with crucial weather metrics, like snow, rain, and ice, for more accurate risk evaluation and pricing that accounts for environmental factors.
These integrations improve risk assessment, empowering insurers, brokers, and fleets with actionable insights to drive better decisions and safer outcomes.
Unwavering commitment to data security and trust
- Maintain the highest security standards: We implement robust security controls and continuously monitor our systems for potential threats.
- Build trust with our clients: We are dedicated to customer data protection, ensuring the confidentiality and integrity of all information entrusted to us.
- Proactively mitigate risks: We continuously assess and adapt our security measures to address evolving threats and vulnerabilities.
- Learn more about our path to SOC 2 Type 2 compliance.
Simplifying digital consent for enhanced collaboration
Insurers face challenges accessing telematics data due to fragmented systems and complex consent processes. Draivn’s EZ Enrollment approach changes the game, allowing fleets to securely share vehicle, driver, and exposure data with just a few clicks and no lengthy paperwork. For that, established a robust data governance framework that prioritizes control and transparency:
- Fleet data ownership:Fleets retain ownership of their data and control who they share it with.
- Full transparency:Fleets have complete visibility into what data is shared and for what purpose, building trust and accountability within the ecosystem.
This approach ensures trust, accountability, and seamless collaboration within the ecosystem, empowering insurers, brokers, and fleet operators alike.
Investing in our capabilities
At Draivn, we believe, that success stems from continuous investment in talent, innovation, and collaboration. Meet the latest additions to the team that bolster our capabilities in data engineering, industry leadership, and strategic growth to drive our vision forward.
- Data excellence:Simi George, PhD, MBA, a seasoned data expert with a strong background at AXA, leads our data engineering and data science efforts, elevating our data foundations and analytical models.
- Strategic vision:Cristobal Condejoined Draivn as a board member with FinTech, Data, & Analytics expertise (former CEO & Chair at SunGard, bringing unparalleled strategic insight and industry credibility. As an advisor to global leaders like Accel, his presence signals to the market that Draivn is poised for long-term success.
- Industry leadership:Mark Epperson, an industry veteran with deep industry expertise, advises Draivn on the new initiative, addressing the longstanding challenges of heavy-duty truck rating. It will tackle critical industry pain points, e.g. fluctuating inventories, fragmented data sources, and the impact of macroeconomic factors like nuclear verdicts and social inflation.
Advancing the industry through thought leadership
Draivn is gearing up to take our vision to the world, participating in major industry events across North America. We’ll start strong withGeotab Connectin February and return toInsureTech ConnectandIRMI Transportation, leveraging these familiar stages to inspire change in the industry.
📅 Stay сonnected
Explore our 2025 events calendarand meet us at one of these transformative gatherings.
Staying ahead of industry trends
Draivn recognizes the challenges affecting the commercial auto insurance landscape and helps the industry navigate this dynamic environment and capitalize on emerging opportunities.
1. Profitability challenge.The commercial auto insurance sector has faced persistent underwriting losses despite multiple rate increases over the past decade. Combined ratios have consistently exceeded 100, indicating that pricing adjustments alone are insufficient for profitability. Rates are expected to continue rising, alongside tighter risk selection criteria.
2. The role of telematics in risk management. Vehicle telematics has become a focus for insurers, providing actionable insights that help control claims costs. This trend underscores the growing importance of data-driven approaches for better underwriting and risk assessment.
3. Increasing loss severity and claims complexity.Advanced vehicle technologies led to higher repair costs, and claims – especially those influenced by distracted driving and legal settlements – are becoming more severe and costly. Social inflation and litigation financing continue to escalate liability claim costs, further impacting profitability.
4. Data quality challenge. Outdated and incomplete data slows down underwriting and impacts pricing accuracy. Access to fleet data when developing submissions will greatly streamline processes and foster informed decisions, which emphasizes the importance of robust data management practices.
5. The call for industry collaboration.Brokers play a crucial role in advising clients on the benefits of telematics and partnering with insurers that offer telematics-based programs and reward safe driving behavior.
How Draivn helps you stay ahead
1. Data-driven underwriting for profitability. Draivn provides instant access to accurate and actionable fleet data through ONE API, eliminating guesswork in underwriting. This enables tailored pricing and refined risk selection. By embedding real-time data into decision-making, insurers can confidently reward the best risks and manage tightened selection criteria.
2. Seamless telematics integration.Draivn simplifies telematics data sharing and integration, empowering fleets to fully leverage the benefits of telematics. Our platform benchmarks fleet safety performance, allowing insurers to reward high-performing fleets with favorable terms, encouraging widespread telematics adoption, and promoting safe driving practices.
3. Automation for operational efficiency. Draivn automates workflows, replacing manual, error-prone processes and streamlining data acquisition, entry, and verification. Whether it's migrating from outdated spreadsheets or automating schedule updates, Draivn saves time and resources while improving data accuracy.
4. Enhancing collaboration across stakeholders. Draivn bridges the gap between insurers, brokers, and fleets, enabling seamless collaboration. Brokers use Draivn’s tools to help clients make use of telematics and build partnerships with insurers that reward safety investments, creating a more connected and efficient ecosystem.
What’s next?
Draivn continues to innovate, equipping insurers, brokers, and fleets with tools to tackle the challenges of today while preparing for the opportunities of tomorrow. From seamless data sharing to analytics, predictive safety insights, and fleet scoring, our upcoming solutions will redefine how the industry approaches profitability, safety, and efficiency.
Stay ahead of the curve with Draivn. More to come – stay tuned! Visit draivn.com to learn more.
