Macroeconomic trends are challenging commercial auto insurers


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Miles driven were 6.2 percent higher in March 2018 compared with March 2013.

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Distribution needs call for 51,000 more drivers, which will create a huge inexperienced driver population with little required training.

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Loss severity per claim is up 40 percent from 2009 to 2017, worsened by new technology and distracted driving.

Fuel your straight-through underwriting process

Our commercial auto underwriting tools come together to fundamentally change your underwriting process, bringing speed, accuracy, efficiency and ease of use. We have all the data you need. Watch to learn more about our solutions.


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Automation, accuracy, and increased throughput for decisions supporting risk rating and underwriting.

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Commercial Auto Underwriting Solutions

Comprehensive risk assessment solutions for commercial auto insurers

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Losses outpacing premiums

That’s how much commercial auto insurers reported in underwriting losses from 2013 to 2018. While premiums are up, so are claims frequency and severity—and losses outpace premiums. But you can still succeed. The place to start is with fast, reliable prefill data.

*Source: AM Best

The path to profitability requires a targeted approach

While some combined ratios are topping 100 percent, profitable insurers have achieved a better combined ratio 13.5 points lower than the total industry for the years 2012–2017.

You need a defined market approach to achieve better combined ratios and reduce losses. Verisk's three-part solution can help guide you along the path to profitability.

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Risk targeting and segmentation

The path to profitability starts with data and analytics that properly drive risk selection.

Risk selection, pricing, and underwriting

You need reliable information on vehicles and drivers to underwrite commercial auto and policies properly.

Portfolio monitoring

Keep your book of business profitable by keeping current.

Make the most of market movements

External economic factors can play an outsized role in the development of commercial lines businesses. Our insurance consultants can help you leverage granular data and analytics to better understand market trends and how they may affect lines of business, business classes and your strategic direction.

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Commercial Lines Underwriting Solutions

Stay competitive. Automate underwriting. Accelerate decision-making.

Data and advanced analytics can drive everything from decisions on new markets and segmentation to standing up new lines of business in months vs years. Increase speed to market and boost profitability by embracing the new era of digital transformation for commercial lines insurance.

Strategies to start the journey

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