A clearer perspective on fleet risk.
Put fleet risk in clearer context: a baseline built from fleet telematics and camera evidence, monitoring across your book, and claim packets that arrive complete. Shared only with each fleet's consent.
Pilots are open to a small number of programs. Bellwether Risk is risk intelligence to use with your own underwriting, not a rating model.
Loss runs look backward. Claims start late.
Commercial auto risk changes daily, but the information insurers rely on is mostly annual and second-hand.
The picture is stale
A loss run says what already happened. It doesn't show which fleets are getting riskier right now, or why.
Claims arrive incomplete
First notice often comes late and thin. Evidence sits in camera and telematics systems you can't see.
Loss control is hard to prove
Programs fund coaching and equipment, but rarely see which actions actually reduced losses.
Start from evidence, and see how good the evidence is
Bring in a fleet's historical telematics and events, and Bellwether builds a baseline assessment. Every baseline comes with a data-quality report, so you know what it rests on.
- Factor-level view. See what drives each fleet's risk, not just a single number.
- Coverage shown. Camera and ELD coverage are stated, not assumed.
- Benchmarks. Compare a fleet with similar fleets in your program.
Why show the data quality?
A fleet with full camera coverage and a fleet with only ELDs can't be scored the same way. Bellwether reports confidence alongside every result, so you can weigh it properly in your own underwriting.
Bellwether is risk intelligence to use alongside your underwriting. It is not a filed rating model.
Keep watching after the baseline
After the baseline, Bellwether keeps watching, so a fleet's drift shows up in weeks, not at renewal.
Drift alerts
See which fleets are trending worse and which factors moved, with the evidence behind each change.
Portfolio view
Compare fleets across your program in one place, filtered by size, operation or region.
Loss-control actions
Record what a fleet did (coaching, repairs, equipment) and track whether the numbers moved afterward.
First notice that arrives with the evidence
When an incident happens, the claim packet is assembled automatically: what the cameras saw, what the vehicle did, and what the sensors logged.
- Earlier notice. The packet starts when the event is detected.
- Fewer follow-ups. Frames, timeline and vehicle details are already attached.
- Outcome recorded. What the claim paid links back to the signals that came first.
Fleets decide what you see
Insurers get data because the fleet chose to share it. That's how the programs that last are built.
The fleet owns its data
Bellwether holds it on the fleet's behalf. Insurers see only what the fleet has granted.
Scoped sharing
Grants are limited by data type, by period and by purpose, and a fleet can end one at any time.
A record of access
Who saw what and when is logged, so both sides can answer the question later.
Consent controls are a core design principle and are part of what pilots will build and test with real programs.
Who it's for
Captives and RRGs
Members share risk, so shared evidence helps every member.
MGAs and program admins
Monitor and benchmark a whole program, not one policy at a time.
Commercial auto carriers
Add live evidence to underwriting and claims on fleets you write.
Fleet risk managers
Give your insurer a complete picture and show what you've improved.
Questions insurers ask
Is this a rating model?
No. Bellwether provides risk intelligence and evidence for you to use with your own underwriting and filed models.
Where does the data come from?
From the fleet's own cameras, ELDs and telematics, shared by the fleet. Bellwether normalizes sources from different vendors into one record.
What if a fleet has limited data?
The result states the gap and the confidence. A fleet with ELD data only is assessed on what that data supports.
Can we try it before committing?
We're opening proof-of-concept pilots to a small number of programs. Terms are discussed on the demo call.
Does it work with the fleet's existing vendors?
That's the design. Bellwether doesn't require a particular camera or ELD vendor.
See a baseline and a claim packet
We'll show a fleet baseline, drift monitoring and a claim packet on a working demo.
We'll set up a short walkthrough on a working demo. It runs on synthetic data, so nothing of yours is needed to start.