Your compliance signals quietly decide your premium. X3 Insurability rolls your live CSA, HOS, MVR, crash and inspection data into one Fleet Insurability Score, translates every issue into modeled premium impact, and hands you the highest-value fixes — the CEO view of your business risk.
We pull the carrier’s live public CSA record and model it the way an underwriter would — one Fleet Insurability Score, the areas that drag it down, and how to raise it. Here’s a real sample:
Sample carrier · your real fleet fills the same dashboard
Every compliance issue an underwriter can see becomes a premium, a deductible, a coverage limit — or a lost shipper contract. X3 Insurability turns those signals into dollars-and-risk you can act on, and shows you the exact fixes that move your score before renewal.
The Fleet Insurability Score answers the owner (“how healthy is my business?”), the underwriter (“how risky is this fleet?”) and the shipper (“can I trust this carrier?”) at once.
We rank which compliance issues most influence underwriting and how many points each fix recovers — modeled risk indicators, not a guaranteed premium change.
Track policies, COIs and renewal dates so you show up to underwriting with your score already working in your favor.
X3 Insurability aggregates the signals an underwriter weighs — CSA, MVR, HOS, crashes, inspections, drug & alcohol, maintenance and insurance filings — into a single Fleet Insurability Score.
A cause-and-effect intelligence system: violation intelligence flows into The data behind the score, behavior mapping and inspection-risk, then into prevention, corrective action, forecasting and an executive brief. Grounded in the X3 DOT Skills corpus and verified SMS methodology.
We pull your live FMCSA record through CarrierOK — every BASIC percentile, inspection, violation, crash and insurance filing. No spreadsheets, no manual entry.
Every morning we re-pull and diff your record, so you know exactly what changed overnight — before FMCSA or your insurer does.
Prioritized fixes ranked by business impact, the exact inspections worth a DataQ challenge, coaching plans, and an insurer-ready packet.
Priced by fleet size. Every tier gets the full platform. Cancel anytime.
No. We are not an insurer or broker. The Fleet Insurability Score is a modeled risk indicator that shows how an underwriter is likely to see your fleet — and how to improve it. Your agent still writes the policy.
From your live public CSA SMS percentiles (already exposure-normalized for fleet size), crashes and inspection history, scored the way underwriting weighs risk. Premium-impact points are clearly labeled modeled estimates, not quotes.
Yes — one login across the X3 empire. Insurability consumes MVR, HOS, CSA, DataQ, Audit, Background and D&A signals, and every fix routes to the X3 product that closes it.
Get your Fleet Insurability Score, the premium impact of every issue, and the fixes that raise it — before your next renewal.
