TruckerCloud Launches FleetFile to Tackle $10 Billion Commercial Auto Underwriting Crisis

TruckerCloud, the leading commercial auto insurance telematics data platform, launched FleetFile, a predictive crash risk score for commercial lines, including heavy trucks. Insurers can apply it across their book using the telematics data fleets already generate, regardless of telematics system. TruckerCloud has begun filing FleetFile with state insurance regulators for use as a rating variable.

Commercial auto has posted an underwriting loss for 14 consecutive years, according to AM Best. The line lost about $4.9 billion in 2024 and more than $10 billion over the past two years, even though insurers raised rates in every one of those years. Driving data could change that. It already exists for more than half of the roughly 34 million vehicles in fleet use in North America, and Berg Insight projects that share will approach 85 percent by 2029. Virtually every interstate truck is already tracked under federal ELD rules. Insurers, though, have been unable to use most of this data. It arrives in different formats from different providers, which makes it difficult to compare one account to the next.

FleetFile is a different kind of score. It reads the telematics data a fleet already produces, from whatever system the fleet runs, and it was built from the start to be filed. Delivered through TruckerCloud's platform, which connects to roughly 200 ELD, camera, and telematics systems and serves more than 70 insurers and MGAs, it gives an insurer one crash risk score, on one scale, at quote or renewal, with vehicle-level scores beneath it. FleetFile was built to serve heavy-duty lines and scores accounts whether they run one vehicle or thousands.

TruckerCloud's platform normalizes trip data at ingestion. Differences in how providers report mileage, timestamps, and VINs are resolved into a single structured, time-stamped record, so insurers receive clean exposure and behavioral data by VIN and geography, in a format built for underwriting.

With FleetFile, commercial auto insurers can:

• Score across the book. Any account with a supported telematics connection can be scored, at any fleet size.
• Score at the point of quote. FleetFile uses the data a fleet is already producing and has authorized for sharing. There is no monitoring period before a score exists.
• Carry one view of risk from quote through renewal. The same scale applies to the same fleet across every transaction.

TruckerCloud is filing FleetFile with state insurance regulators state by state. Until filings are approved, FleetFile is available for underwriting, submission triage, and loss control.

"Commercial lines insurers have wanted to price on telematics for a decade. The obstacle was never whether the data predicts crashes. It was whether an insurer could use it on the account in front of them, and for most of the book the answer was no," said Spencer Mitchell, Founder and CEO of TruckerCloud. "FleetFile is built so the answer is yes, and it is built to be filed so that the answer can carry rate."

"Telematics data is extremely powerful, but using data collected from hundreds of different systems creates real operational and analytical challenges. FleetFile solves those challenges. Insurers that take advantage of it can see a meaningful improvement in profitability, and because the data already exists at the point of sale, that change can happen much faster than it did in personal lines," said Geoff Werner, FCAS, Managing Member of Werner Advisory LLC, who is advising TruckerCloud on the FleetFile filings.

Werner is co-author of Basic Ratemaking, the textbook the Casualty Actuarial Society uses to teach ratemaking to every actuary it credentials, and a former member of the CAS Board of Directors. He previously served as Global Telematics Leader at Willis Towers Watson, where he built one of the industry's first insurer telematics scoring programs.

"FleetFile is the first of several initiatives we have underway. Work on lighter-duty vehicles is among them," Mitchell said. "The common thread is giving insurers something they can act on at the point of quote, built on data that already exists."

FleetFile is available today and is included at no additional cost for TruckerCloud customers through October 2026. Insurers and MGAs interested in access can contact Tiana Schowe at tiana@truckercloud.com.

TruckerCloud is the leading commercial auto insurance telematics data platform. The company connects to roughly 200 ELD, camera, and telematics systems and is used by more than 70 insurers and MGAs for underwriting, claims, loss control, and risk scoring. TruckerCloud is headquartered in Atlanta, Georgia. Learn more at truckercloud.com.