Carrier intelligence for commercial auto and trucking insurance
AlphaLoops profiles every motor carrier in America (2.7 million of them) with FMCSA safety data, fleet composition, technology adoption signals, continuous authority monitoring, and AI-powered fraud and distress detection. The carrier-level enrichment your underwriting workflow is missing.
The seven layers of data underwriters use to assess motor carrier risk
Commercial auto underwriting is a data-fusion problem. No single source tells you what a carrier is or how it will perform. AlphaLoops covers four of the seven layers and connects to the rest.
AlphaLoops is the carrier intelligence layer underneath your loss runs, MVRs, and rating engine. We don't replace your data sources. We replace the manual SAFER lookups, the FOIA requests, the spreadsheets of MC numbers, and the gap between knowing who a carrier is and knowing what kind of risk they are.
How insurance teams use AlphaLoops
Underwriters, MGA program managers, brokers, and risk teams use AlphaLoops at every stage of the policy lifecycle.
Pull a complete operational and safety profile from a DOT or MC number. Authority, BASICs, crashes, fleet, equipment, technology, related entities, and risk signals. Reviewed alongside loss runs and MVRs before binding.
AlphaLoops auto-enriches every submission and flags carriers warranting review (recent authority changes, related-entity matches, distress signals, BASIC threshold breaches). Underwriters spend time where it matters.
AlphaLoops surfaces officer connections, address overlap, and related authorities across the FMCSA registry, identifying carriers operating under new authority to evade prior records. Critical for new entrants.
AlphaLoops watches every carrier in your book for authority changes, BMC-91 filings, safety rating changes, federal litigation, distress signals, MC authority sales, and adverse safety events. Alerts surface in time to act.
Carriers running modern ELD, telematics, dashcam, and TMS platforms have measurably different risk profiles. AlphaLoops detects adoption across 303 providers, a forward-looking signal that doesn't appear in crash data until well after a claim event.
REST API embeds carrier intelligence directly into Duck Creek, Guidewire, Origami, or proprietary systems. One DOT or MC number returns 200+ fields. Sub-100ms response time supports real-time quoting.
The carrier intelligence record
What's in the AlphaLoops record. Verifiable, schema-level detail.
Authority status with full history. Safety rating with rating history. All seven CSA BASICs with current scores and trend. 12M inspection records. DOT-reportable crash history with severity. Driver, vehicle, and hazmat OOS rates.
BMC-91 and BMC-91X public liability filings with effective dates, expiration dates, and insurer of record. Cargo and bond filings. Filing changes monitored continuously and surfaced as webhook events.
Power units, drivers, tractors, trailers. VIN-level specifications on 4M commercial vehicles and 2.5M trailers. Equipment composition, age, fleet growth and contraction trends with 5+ years of historical data.
Radius classification (local, intermediate, long-haul). States operated in. Lane profile down to county level. Commodity classification including hazmat, refrigerated, auto haul, oversized. For-hire vs private vs exempt.
97 telematics and ELD platforms (Samsara, Motive, Geotab, Verizon Connect, Lytx, Trimble, Platform Science). 112 TMS platforms (McLeod, AscendTMS, TMW). 94 fuel cards (WEX, Comdata, EFS, Mudflap).
Authority-for-sale detection across social media and marketplaces. Related-entity detection (officers, addresses, phones, equipment). Federal litigation monitoring. AI-powered distress signal monitoring across news, social, and public records.
Authority age (date of original MC issuance). Officer roster and history. Address history. Affiliated authorities. Mergers, dissolutions, and reincarnations.
Loss runs (your claims system). Individual driver MVRs, PSP, Clearinghouse (your MVR vendor and FMCSA PSP). Telematics behavioral data such as harsh braking (the telematics vendor directly).
How AlphaLoops delivers into your workflow
Carrier intelligence delivered into the systems your underwriters and analysts already use.
200+ fields per carrier. Sub-100ms response. Filtered queries for cohort building.
API docs →Three problems insurance teams solve with AlphaLoops
Specific high-stakes problems where carrier intelligence is the difference between binding well and binding badly.
Chameleon carriers obtain new FMCSA authority to evade prior safety violations, insurance non-renewals, or unpaid judgments. They share officers, addresses, equipment, or operational patterns with a previous authority. The consequences for the binding insurer: inherited safety record, mispriced risk, claims that surface quickly.
AlphaLoops indexes officer rosters, addresses, phone numbers, and equipment associations across the entire FMCSA registry, then runs entity-resolution algorithms to identify high-probability connections between authorities. New-entrant carriers with ties to previously-revoked or surrendered authorities are flagged automatically.
Authority status, BMC-91 filings, safety ratings, and risk events change continuously between renewals. A carrier that was satisfactory at quote can be conditional at renewal. A carrier with active authority at binding can have authority revoked mid-term.
AlphaLoops watchlist monitors every carrier in your book and alerts you to state changes: authority transitions, BMC-91 lapses, safety rating changes, BASIC threshold breaches, federal litigation, distress signals, and adverse safety events. Delivered via email, webhook, or directly into Salesforce.
Active MC authority is a tradeable asset on the gray market. Authorities with clean records and active insurance are sold to bad actors who inherit the safety profile, then operate under it for cargo theft, double brokering, or unsafe operations. The original underwriter has no signal the operating carrier has changed.
AlphaLoops monitors social media, broker forums, and marketplaces for authority-sale signals, flagging carriers whose authority is being marketed for sale before the change of ownership shows up in FMCSA records.
How Loadsure uses AlphaLoops
Loadsure is a cargo insurance MGA. Their underwriting team uses AlphaLoops as the carrier intelligence layer underneath every quote.
LOADSURE
AlphaLoops has fleet and operational data we couldn't get anywhere else. We know which carriers actually match our underwriting appetite, which ones are operating under recently-issued authority, and which ones have related-entity flags that warrant a closer look. It's become the carrier-side data layer our underwriting workflow runs on.
Frequently asked questions
Common questions from commercial auto and trucking insurance teams.
See AlphaLoops in action.
Carrier intelligence for commercial auto and trucking insurance, in your workflow.