THE PROBLEM, NAMED
Right now, you are pricing risk
you cannot actually see.
Roughly three quarters of a premium is calculated from loss history and anticipated losses. But the file you underwrite from tells you what a carrier uploaded, not how they operate. The gap between those two things is where your losses live.
WHAT THE FILES SHOW
A carrier profile, a certificate, a clean-looking abstract on the day it was pulled.
WHAT THE ROAD SHOWS
Maintenance habits. Driver files. Hours compliance. The operational posture that actually generates the claims eating your book.
Carriers that should never have been on the road are on someone's book. Probably several.
THE MARKET, IN ONE NUMBER.
Facility Association's share of Alberta commercial auto has gone from under four percent to over ten in nine years. That is not a residual market anymore. That is where the carriers nobody could verify are ending up, and the gap between a carrier you can verify and one you cannot is now the whole game.
Canadian Underwriter, March 10, 2026 (3.9 percent in 2017 to 10.3 percent).
WHAT WE ACTUALLY DO
Underwrite what is actually on the road.
And when a carrier has gaps, we do not just flag them. We close them, on behalf of and alongside the carrier.
01.
BEFORE YOU BIND
Pre-Underwriting Intelligence
A carrier’s real compliance posture, read from operational records rather than uploads, so you know the risk before it goes on your book.
02.
AT EVERY RENEWAL
Renewal
Intelligence
Documented, verifiable compliance progress your producers can put in front of underwriting. Better files, better conversations, better retention.
03.
ACROSS THE BOOK
Book-Wide
Benchmarking
See where every carrier sits against the same standard. Concentrations of risk surface before they become concentrations of claims.
