--- title: "Carrier Intelligence for Commercial Auto Underwriting" description: "Carrier intelligence for commercial auto and trucking insurance: FMCSA safety data, fleet composition, tech adoption, monitoring, and AI risk signals." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "WebSite", "name": "AlphaLoops", "alternateName": [ "AlphaLoops.com", "Run AlphaLoop" ], "url": "https://runalphaloops.com/" }, { "@context": "https://schema.org", "@graph": [ { "@type": "Service", "name": "AlphaLoops for Commercial Auto and Trucking Insurance", "description": "Carrier intelligence for commercial auto, MGAs, and trucking insurance programs. FMCSA safety data, fleet composition, technology adoption, continuous authority monitoring, and AI-powered fraud and distress detection.", "url": "https://runalphaloops.com/solutions/insurance", "provider": { "@type": "Organization", "name": "AlphaLoops", "url": "https://runalphaloops.com" } }, { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "What data do commercial auto insurers use to underwrite motor carriers?", "acceptedAnswer": { "@type": "Answer", "text": "Underwriters combine seven layers: loss runs and claims history, FMCSA safety data (authority, CSA BASICs, inspections, crashes, OOS rates, insurance filings), driver-level data (MVRs, PSP, Clearinghouse), fleet and equipment, operational exposure, business stability, and coverage-specific inputs. AlphaLoops provides the FMCSA, fleet, operational, and business-stability layers, plus proprietary technology adoption and AI-powered risk signals." } }, { "@type": "Question", "name": "How is AlphaLoops different from CAB or RigDig for insurance underwriting?", "acceptedAnswer": { "@type": "Answer", "text": "CAB and RigDig provide FMCSA safety data, peer benchmarking, and risk scoring built primarily on inspection and crash history. AlphaLoops covers the same FMCSA data with continuous synchronization, plus three layers they don't: technology adoption detection across 303 providers, AI-powered fraud and distress signals, and modern delivery (REST API, webhooks, MCP server, native CRM integrations)." } }, { "@type": "Question", "name": "Does AlphaLoops integrate with Duck Creek, Guidewire, or Origami?", "acceptedAnswer": { "@type": "Answer", "text": "AlphaLoops provides REST API access for embedding carrier intelligence into any underwriting workbench, including Duck Creek, Guidewire, Origami, and proprietary systems. Native integrations exist for Salesforce and HubSpot." } }, { "@type": "Question", "name": "Can AlphaLoops detect chameleon carriers and reincarnated authorities?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. AlphaLoops indexes officer connections, address overlap, phone-number overlap, and equipment associations across the entire FMCSA registry, then runs entity-resolution algorithms to identify high-probability connections between authorities." } }, { "@type": "Question", "name": "How frequently is FMCSA data refreshed?", "acceptedAnswer": { "@type": "Answer", "text": "AlphaLoops syncs FMCSA data on the same cadence FMCSA publishes it. SAFER updates near-real-time. Inspection and crash data follows monthly publication. BMC-91 filings monitored continuously. Risk signals from social, news, and public records monitored continuously." } }, { "@type": "Question", "name": "Does AlphaLoops have BMC-91 filing data?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. BMC-91 and BMC-91X public liability filings, cargo filings, and bond filings, with effective dates, expiration dates, and insurer of record. Filing changes monitored continuously and surfaced as webhook events for watched carriers." } }, { "@type": "Question", "name": "Does AlphaLoops provide loss runs, MVRs, or PSP reports?", "acceptedAnswer": { "@type": "Answer", "text": "No. AlphaLoops is the carrier-level intelligence layer. Loss runs come from your claims system. MVRs come from state DMVs and MVR vendors. PSP reports come from FMCSA's PSP. AlphaLoops complements these with carrier-level operational, technological, and risk intelligence." } } ] } ] } ] --- [![AlphaLoops](/lovable-uploads/AlphaLoops-Logo-2025_Black-Type_White-Background_3280x1024.png)](/) Products [ I Intelligence Win the deal — technology stack, growth signals & decision-maker contacts on 2.7M carriers. For GTM teams → ](/product)[ V Verify NEW Trust the carrier — embeddable identity & association verification, under your brand. For risk & ops → ](/verify) One carrier data layer · 2.7M carriers [Explore the platform →](/product) [Solutions](/solutions) Sell into trucking [Telematics & ELD Telematics, ELD, dashcam & connected fleet sales ](/solutions/telematics)[TMS TMS sales, BD & RevOps ](/solutions/tms)[Fleet Payments Fuel cards, expense cards, AP & driver pay ](/solutions/fleet-payments)[Insurance Commercial auto, MGAs & trucking programs ](/solutions/insurance)[EquipmentNEW Truck & trailer dealers, OEMs & leasing ](/solutions/equipment)[FactoringNEW Freight factoring & working-capital lenders ](/solutions/factoring)[ComplianceNEW DOT compliance, safety & audit ](/solutions/compliance) Work with carriers [Broker Risk Fraud intelligence for brokers & 3PLs ](/solutions/broker-risk)[Carrier RecruitingNEW Source & onboard carrier capacity ](/solutions/carrier-recruiting) Why AlphaLoops One dataset, every freight buyer. 2.7M carriers profiled, refreshed daily Whoever you sell to or move freight with, it's the same source of truth — synced to your CRM. [Book a demo](/contact)[View all solutions → ](/solutions) [Integrate](/integrations) [ Salesforce AppExchange managed package · push to Account, Lead, Contact ](/integrations/salesforce)[ HubSpot Managed app · push to Company and Contact with associations ](/integrations/hubspot)[ Microsoft Dynamics 365 Power Automate connector · push to Dataverse Account and Contact ](/integrations/dynamics)[ n8n Verified community node · AI agent workflows ](/integrations/n8n)[ MCP Server Hosted Model Context Protocol · Claude, Cursor, Windsurf ](/mcp) [All integrations →](/integrations) [Pricing](/pricing)[Research](https://research.runalphaloops.com) [What's new](/whats-new) [ Carrier Benchmarks NEW Carrier safety grades built on actual peers ](/whats-new/carrier-benchmarks-carrier-safety-grades-built-on-actual-peers) [All updates →](/whats-new) [Log in](https://alphafreight.runalphaloops.com/login)[Sign up](https://alphafreight.runalphaloops.com/login?mode=signup)[Book a demo](/book-a-demo) FOR COMMERCIAL AUTO, MGAS, AND TRUCKING INSURANCE PROGRAMS # 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. USED BY LOADSURE [Book a demo](/contact)[Talk to sales](/contact) ACTIVE SCHNEIDER NATIONAL CARRIERS, INC DOT 264184 · MC 84502 AUTHORITY Common · Contract · Broker Issued 1976 · Reinstated 2024 FLEET 11,200 units 12,500 drivers 45,000 trailers CSA BASICS SCORE · TREND Unsafe driving 32 ━━ HOS compliance 18 ━▼ Vehicle maintenance 41 ━━ Crash indicator 54 ━▲ TECHNOLOGY Samsara McLeod Comdata \+ 4 more RISK SIGNALS No active alerts Last scanned 2 minutes ago SECTION 02 · THE SEVEN LAYERS ## 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. 1 Loss history and claims Loss runs, open claims, severity, prior litigation, loss ratio. — NOT ALPHALOOPS 2 FMCSA safety data Authority, safety rating, all 7 BASICs, OOS rates, inspections, crashes, BMC-91. ✓ COVERED 3 Driver-level data MVRs, PSP, CDL status, tenure, Clearinghouse. Aggregate counts only at AlphaLoops. — NOT ALPHALOOPS 4 Fleet and equipment VINs, equipment age and type, garaging, equipment-level technology adoption. ✓ COVERED 5 Operational exposure Radius, lanes, commodities, customer mix, for-hire vs private, seasonality. ✓ COVERED 6 Business and financial stability Years in business, growth rate, prior insurance history, AI-detected distress signals. ✓ COVERED 7 Coverage-specific data Auto liability, physical damage, cargo, GL, trailer interchange, workers comp, umbrella. ◐ CONTRIBUTES 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. SECTION 03 · USE CASES ## How insurance teams use AlphaLoops Underwriters, MGA program managers, brokers, and risk teams use AlphaLoops at every stage of the policy lifecycle. PRE-QUOTE Pre-quote risk assessment 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. TRIAGE Submission triage 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. FRAUD Chameleon and reincarnated authority detection 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. MONITORING Continuous book monitoring 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. SIGNALS Technology adoption as leading risk indicator 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. WORKBENCH Embedded carrier lookups 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. SECTION 04 · DATA RECORD ## The carrier intelligence record What's in the AlphaLoops record. Verifiable, schema-level detail. FMCSA safety data 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. Insurance and bond filings 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. Fleet and equipment 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. Operational exposure 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. Technology adoption PROPRIETARY 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). Risk and fraud signals PROPRIETARY 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. Business and entity data Authority age (date of original MC issuance). Officer roster and history. Address history. Affiliated authorities. Mergers, dissolutions, and reincarnations. What we don't include BY DESIGN 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). SECTION 05 · DELIVERY ## How AlphaLoops delivers into your workflow Carrier intelligence delivered into the systems your underwriters and analysts already use. REST API 200+ fields per carrier. Sub-100ms response. Filtered queries for cohort building. [API docs →](/fmcsa-api/docs) Webhooks Authority changes, BMC-91 filings, BASIC breaches, AI-detected risk events. [Reference →](/fmcsa-api/docs) MCP Server 30+ tools for AI-assisted underwriting. Works with Claude, ChatGPT, Cursor. [MCP server →](/mcp) CRM Native sync with Salesforce and HubSpot. Outreach, Salesloft, and Gong. [Integrations →](/integrations) WEBHOOKS, BATCH ENDPOINTS, AND EMBEDDED USE AVAILABLE ON ENTERPRISE SECTION 06 · PROBLEMS WE SOLVE ## Three problems insurance teams solve with AlphaLoops Specific high-stakes problems where carrier intelligence is the difference between binding well and binding badly. PROBLEM 01 Detecting chameleon carriers in your book 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. [Read the full guide →](/guides/how-to-spot-a-chameleon-carrier) PROBLEM 02 Continuous authority and risk monitoring across renewals 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. PROBLEM 03 Catching MC authority sales and inheritance fraud 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. [Read the full guide →](/guides/what-is-an-mc-number-sale-risks-red-flags-and-what-to-check) SECTION 07 · CUSTOMER ## How Loadsure uses AlphaLoops Loadsure is a cargo insurance MGA. Their underwriting team uses AlphaLoops as the carrier intelligence layer underneath every quote. LOADSURE Michael Kennedy VP, BUSINESS DEVELOPMENT 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. SECTION 08 · FAQ ## Frequently asked questions Common questions from commercial auto and trucking insurance teams. What data do commercial auto insurers use to underwrite motor carriers? − Underwriters combine seven layers: loss runs and claims history, FMCSA safety data (authority, CSA BASICs, inspections, crashes, OOS rates, insurance filings), driver-level data (MVRs, PSP, Clearinghouse), fleet and equipment, operational exposure, business stability, and coverage-specific inputs. AlphaLoops provides the FMCSA, fleet, operational, and business-stability layers, plus proprietary technology adoption and AI-powered risk signals. How is AlphaLoops different from CAB or RigDig for insurance underwriting? + Does AlphaLoops integrate with Duck Creek, Guidewire, or Origami? + Can AlphaLoops detect chameleon carriers and reincarnated authorities? + How frequently is FMCSA data refreshed? + Does AlphaLoops have BMC-91 filing data? + Does AlphaLoops provide loss runs, MVRs, or PSP reports? + RELATED SOLUTIONS ## Other GTM motions on the same platform [All solutions →](/solutions) [ FLEET PAYMENTS Fleet payments sales Targeting and prospecting for fuel cards, expense cards, AP, and driver pay. Identify current payment vendor, surface growth signals, reach fleet decision-makers. Learn more → ](/solutions/fleet-payments)[ TMS TMS sales and displacement Built for displacement-heavy TMS sales. Identify carriers running competitor TMS platforms, monitor switch triggers, and reach decision-makers at the right moment. Learn more → ](/solutions/tms)[ TELEMATICS Telematics, ELD, and dashcam sales Detect telematics adoption across 97 platforms, surface ELD revocation exposure and FMCSA BASIC pain, and reach Safety Directors and Ops VPs at the moment they're rethinking the stack. Learn more → ](/solutions/telematics)[ RISK & COMPLIANCE Broker risk and fraud detection Detection of the ten fraud patterns brokers face today: chameleon, identity theft, MC sales, fictitious pickup, dispatch fraud, and more. The fraud intelligence layer behind every load. Learn more → ](/solutions/broker-risk)[ COMPLIANCE Compliance services prospecting Find motor carriers to sell DOT compliance, drug-and-alcohol testing, IFTA, permits, and safety consulting to. Filter by authority age, safety profile, and size, then reach the owners and CFOs who own compliance budgets. Learn more → ](/solutions/compliance)[ CARRIER RECRUITING Carrier recruiting and capacity sourcing Source capacity by equipment, geography, fleet size, and authority age across 2.7M carriers, then reach the decision-makers who decide whether a fleet joins your network. Learn more → ](/solutions/carrier-recruiting)[ EQUIPMENT & FINANCING Equipment, leasing, and financing sales Find fleets to sell trucks, trailers, leasing, financing, and parts programs to. Target by fleet size, growth signals, Estimated Fleet Value, and equipment, then reach owners and CFOs. Learn more → ](/solutions/equipment)[ FACTORING Freight factoring prospecting Find carriers most likely to need invoice factoring. New-authority feed, fleet size, equipment, and factoring intent signals across 2.7M carriers, with verified owner and CFO contacts. Learn more → ](/solutions/factoring) ## See AlphaLoops in action. Carrier intelligence for commercial auto and trucking insurance, in your workflow. [Book a demo](/contact)[Talk to sales](/contact) [Or see the full AlphaLoops platform →](/product) HELLO@RUNALPHALOOP.COM [ALPHA LOOPS ](/) Carrier intelligence and verification for freight — built on every motor carrier in America. 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