<![CDATA[The Inside Lane: Exploring the truck insurance market]]>Welcome to the podcast that accompanies the DOT Analysis platform; where we discuss realtime trends in the truck insurance market and explore answers to the questions you're not allowed to ask.

]]>https://dotanalysis.com/theinsidelaneRiverside.fm (https://riverside.com)Thu, 22 Oct 2026 13:50:11 GMTTue, 07 Jul 2026 19:05:25 GMT60DOT Analysis<p>Welcome to the podcast that accompanies the DOT Analysis platform; where we discuss realtime trends in the truck insurance market and explore answers to the questions you're <i>not</i> allowed to ask.</p>episodicDOT Analysisbcurtis@dotanalysis.comno<![CDATA[Total Market Rundown]]>Who are the key movers within single-unit, non-fleet and fleet markets? In their characteristically lighthearted approach, Ben and Ray open the books of business of the top 10 insurers within each segment to identify unique trends and opportunities across the truck insurance market.

 

Whether you are an underwriter, a producer, or anyone in between, you won’t want to miss this deep-dive into where the market is moving and what it could mean for your team.

 

MCS-150 filing requirement announcement from the FMCSA: https://www.fmcsa.dot.gov/registration/temporary-suspension-usdot-inactivation-motus

 

Chapters

0:00 Intro

3:56 Importance of Open Conversation About the Market

5:58 Overview of the Truck Insurance Market

13:25 Market Growth Insights

15:03 Top Insurers in the Single-Unit Segment

33:13 Top Non-Fleet Market Players

47:11 Fleet Market Insights

48:54 Great West’s Fleet Book

51:27 National Interstate’s Fleet Book

53:44 Old Republic’s Fleet Book

54:40 Progressive’s Fleet Book

56:32 Acuity’s Fleet Book

57:42 Smaller Fleet Players

1:00:05 Fleet Market Summary

1:03:25 Regulatory Updates and Industry Challenges

]]>7789d74d-a572-4903-a7ea-a5a8a0116118Mon, 14 Sep 2026 15:38:40 GMT<p>Who are the key movers within single-unit, non-fleet and fleet markets? In their characteristically lighthearted approach, Ben and Ray open the books of business of the top 10 insurers within each segment to identify unique trends and opportunities across the truck insurance market.</p><p> </p><p>Whether you are an underwriter, a producer, or anyone in between, you won’t want to miss this deep-dive into where the market is moving and what it could mean for your team.</p><p> </p><p>MCS-150 filing requirement announcement from the FMCSA: <a rel="noopener noreferrer nofollow" href="https://www.fmcsa.dot.gov/registration/temporary-suspension-usdot-inactivation-motus" target="_blank">https://www.fmcsa.dot.gov/registration/temporary-suspension-usdot-inactivation-motus</a></p><p> </p><p>Chapters</p><p>0:00 Intro</p><p>3:56 Importance of Open Conversation About the Market</p><p>5:58 Overview of the Truck Insurance Market</p><p>13:25 Market Growth Insights</p><p>15:03 Top Insurers in the Single-Unit Segment</p><p>33:13 Top Non-Fleet Market Players</p><p>47:11 Fleet Market Insights</p><p>48:54 Great West’s Fleet Book</p><p>51:27 National Interstate’s Fleet Book</p><p>53:44 Old Republic’s Fleet Book</p><p>54:40 Progressive’s Fleet Book</p><p>56:32 Acuity’s Fleet Book</p><p>57:42 Smaller Fleet Players</p><p>1:00:05 Fleet Market Summary</p><p>1:03:25 Regulatory Updates and Industry Challenges</p>no01:09:16110Total Market Rundownfull<![CDATA[MOTUS: Fix or Frustration?]]>Has the new MOTUS system from the FMCSA improved things or just added difficulty and frustration? In today’s episode Ben and Ray tackle this challenging, and often boring, topic with their traditional lighthearted approach and unpack the most relevant and impactful changes with as much humor as possible. They break down the new authority structure and terminology, discuss the underlying legal and regulatory framework, and look ahead at what the future holds for DOT and MC numbers.

 

Grab your coffee and join us for the fun!

 

View our Terms Glossary here: https://dotanalysis.com/glossary

 

#truckinsurance #producergrind #producertips #MOTUS

Chapters

0:00 The Launch of MOTUS

0:42 Understanding the Historical Context of MOTUS

6:25 Authority Types in the New System

11:12 The Practical Implications of MOTUS

12:17 Defining “Authority”

15:39 The Evolution of the Authority Structure

21:23 Navigating the New Authority Framework

25:18 Are DOT Numbers Replacing MC Numbers?

29:43 The 13 True Authority Types

31:28 Understanding DOT Suffixes

36:33 Differentiating Authority From Operation

39:40 Verifying Your Authority and Operation Classification

45:23 Defining “Household Goods Movers”

49:39 Broker Confusion

50:32 Conclusion

]]>82c87353-3e60-4cac-a317-bc09a9e8a171Fri, 04 Sep 2026 19:56:50 GMT<p>Has the new MOTUS system from the FMCSA improved things or just added difficulty and frustration? In today’s episode Ben and Ray tackle this challenging, and often boring, topic with their traditional lighthearted approach and unpack the most relevant and impactful changes with as much humor as possible. They break down the new authority structure and terminology, discuss the underlying legal and regulatory framework, and look ahead at what the future holds for DOT and MC numbers.</p><p> </p><p>Grab your coffee and join us for the fun!</p><p> </p><p>View our <i>Terms Glossary</i> here: <a rel="noopener noreferrer nofollow" href="https://dotanalysis.com/glossary" target="_blank">https://dotanalysis.com/glossary</a></p><p> </p><p>#truckinsurance #producergrind #producertips #MOTUS</p><p></p><p>Chapters</p><p>0:00 The Launch of MOTUS</p><p>0:42 Understanding the Historical Context of MOTUS</p><p>6:25 Authority Types in the New System</p><p>11:12 The Practical Implications of MOTUS</p><p>12:17 Defining “Authority”</p><p>15:39 The Evolution of the Authority Structure</p><p>21:23 Navigating the New Authority Framework</p><p>25:18 Are DOT Numbers Replacing MC Numbers?</p><p>29:43 The 13 True Authority Types</p><p>31:28 Understanding DOT Suffixes</p><p>36:33 Differentiating Authority From Operation</p><p>39:40 Verifying Your Authority and Operation Classification</p><p>45:23 Defining “Household Goods Movers”</p><p>49:39 Broker Confusion</p><p>50:32 Conclusion</p>no00:53:5919MOTUS: Fix or Frustration?full<![CDATA[Truck Insurance: New Players and Big Acquisitions]]>What’s changing in truck insurance right now? In this episode, Ben and Ray break down the biggest shifts reshaping the market, from the arrival of new players like Concert Group, Emerald Bay, and Corgi to Federated’s acquisition of HDVI. They also unpack the latest market data and regulatory changes that are shaping the industry and what it all means for insurers, producers and underwriters.

Learn more at dotanalysis.com

HDVI's announcement about being acquired by Federated:

https://hdvi.com/newsroom/hdvi-acquired-by-federated-insurance/

Chapters

0:00 Intro

3:21 An Agent, Underwriter and CSR Walk Into a Bar...

6:17 New Insurers in the Market

7:54 Concert Group Insurance

18:11 Accredited Insurance is “Bleedin’ From the Gills”

22:07 Emerald Bay

26:22 Corgi’s New Business Explosion

34:35 HDVI Gets Acquired By Federated

]]>6ddef9bd-8f4b-423c-897d-8fc4b3f775a8Fri, 28 Aug 2026 18:14:45 GMT<p>What’s changing in truck insurance right now? In this episode, Ben and Ray break down the biggest shifts reshaping the market, from the arrival of new players like Concert Group, Emerald Bay, and Corgi to Federated’s acquisition of HDVI. They also unpack the latest market data and regulatory changes that are shaping the industry and what it all means for insurers, producers and underwriters.</p><p></p><p>Learn more at <a rel="noopener noreferrer nofollow" href="http://dotanalysis.com" target="_blank">dotanalysis.com</a></p><p></p><p>HDVI's announcement about being acquired by Federated:</p><p><a rel="noopener noreferrer nofollow" href="https://hdvi.com/newsroom/hdvi-acquired-by-federated-insurance/" target="_blank">https://hdvi.com/newsroom/hdvi-acquired-by-federated-insurance/</a></p><p></p><p>Chapters</p><p>0:00 Intro</p><p>3:21 An Agent, Underwriter and CSR Walk Into a Bar...</p><p>6:17 New Insurers in the Market</p><p>7:54 Concert Group Insurance</p><p>18:11 Accredited Insurance is “Bleedin’ From the Gills”</p><p>22:07 Emerald Bay</p><p>26:22 Corgi’s New Business Explosion</p><p>34:35 HDVI Gets Acquired By Federated</p>no00:39:3418Truck Insurance: New Players and Big Acquisitionsfull<![CDATA[How Well Do You Know the Market?]]>How well do you know each player in the truck insurance market? In this episode, Ben and Ray put each other's knowledge to the test with questions from across the industry. Together they ask and answer specific insurer appetite questions, uncover surprising market shifts, and explore emerging trends. Whatever your role in the truck insurance industry, this episode is sure to be both insightful and entertaining.

Learn more at dotanalysis.com

Chapters

0:00 Truck Insurance Market Questions

3:06 Where Is National Interstate NOT Growing Their Fleet Book?

9:19 Who Is Writing More Short Radius Fleets Than Acuity?

14:20 National Interstate’s Longest Standing Large Fleet Client

18:52 Who is Clear Blue Taking the Most Business From?

22:53 Accredited is Getting Pummeled By Clear Blue

25:18 Midwest Family Mutual

31:24 Whose Appetite for Red ISS Business is Changing Most?

36:18 How Much Red ISS is In the Top 5 Fleet Books?

]]>d3aa9772-5b31-49bf-93bc-066165f1bceaFri, 21 Aug 2026 18:26:13 GMT<p>How well do you know each player in the truck insurance market? In this episode, Ben and Ray put each other's knowledge to the test with questions from across the industry. Together they ask and answer specific insurer appetite questions, uncover surprising market shifts, and explore emerging trends. Whatever your role in the truck insurance industry, this episode is sure to be both insightful and entertaining.</p><p></p><p>Learn more at <a rel="noopener noreferrer nofollow" href="http://dotanalysis.com" target="_blank">dotanalysis.com</a></p><p></p><p>Chapters</p><p>0:00 Truck Insurance Market Questions</p><p>3:06 Where Is National Interstate NOT Growing Their Fleet Book?</p><p>9:19 Who Is Writing More Short Radius Fleets Than Acuity?</p><p>14:20 National Interstate’s Longest Standing Large Fleet Client</p><p>18:52 Who is Clear Blue Taking the Most Business From?</p><p>22:53 Accredited is Getting Pummeled By Clear Blue</p><p>25:18 Midwest Family Mutual</p><p>31:24 Whose Appetite for Red ISS Business is Changing Most?</p><p>36:18 How Much Red ISS is In the Top 5 Fleet Books?</p>no00:42:4717How Well Do You Know the Market?full<![CDATA[BASIC and ISS Scores Demystified]]>In this episode, Ray and Ben break down the often-confusing world of motor carrier safety scores. From BASIC scores and BASIC measures to the ISS score, they explain where these metrics come from, what they actually measure, and how they're used across the truck insurance industry. Whether you're an underwriter, an agent or a safety manager, this conversation provides practical insight into the scores that influence risk assessments and business decisions every day.

Visit us at https://dotanalysis.com/

Chapters

0:00 Demystifying BASIC Scores in Trucking

2:32 The Importance of Context for Understanding Scores

5:41 The Origin of the BASIC Scores

11:28 Understanding the BASIC Score Value

15:27 The Difference Between the BASIC Score and the BASIC Measure

26:31 Why the BASIC Measure Can be so Misleading

28:08 Understanding Alert Status

30:38 The “Magic Zero” Score

35:51 Predicting Changes in Motor Carrier Scores

42:57 Comparing ISS and BASIC Scores

]]>a0eaaec8-4f6a-4ada-8eaf-24c567027f58Fri, 14 Aug 2026 20:08:58 GMT<p>In this episode, Ray and Ben break down the often-confusing world of motor carrier safety scores. From BASIC scores and BASIC measures to the ISS score, they explain where these metrics come from, what they actually measure, and how they're used across the truck insurance industry. Whether you're an underwriter, an agent or a safety manager, this conversation provides practical insight into the scores that influence risk assessments and business decisions every day.</p><p></p><p>Visit us at <a rel="noopener noreferrer nofollow" href="https://dotanalysis.com/" target="_blank">https://dotanalysis.com/</a></p><p></p><p>Chapters</p><p>0:00 Demystifying BASIC Scores in Trucking</p><p>2:32 The Importance of Context for Understanding Scores</p><p>5:41 The Origin of the BASIC Scores</p><p>11:28 Understanding the BASIC Score Value</p><p>15:27 The Difference Between the BASIC Score and the BASIC Measure</p><p>26:31 Why the BASIC Measure Can be so Misleading</p><p>28:08 Understanding Alert Status</p><p>30:38 The “Magic Zero” Score</p><p>35:51 Predicting Changes in Motor Carrier Scores</p><p>42:57 Comparing ISS and BASIC Scores</p>no00:54:1516BASIC and ISS Scores Demystifiedfull<![CDATA[Great West vs. Northland vs. Geico]]>Today we tackle some questions truck insurance agents and underwriters wish they could answer but usually can't. How does Northland's book really compare to Great West's across fleet, non-fleet, and single-unit segments? Who Is actually winning the battle for market share? What is GEICO's current footprint in the market since its aggressive entry a few years back, and where is that growth coming from?

We also uncover an unexpected trend in Texas, where Clear Blue is quietly emerging as a major player. Then we compare the dramatically different insurer landscapes in Texas and California, and explore why separating cargo type from operation type completely changes how you understand the market.

If you've ever wondered who is writing certain types of business and where it's located, this is an episode you won't want to miss.

]]>a7c64afb-c7fa-4b56-b601-a6bb75b5942aFri, 07 Aug 2026 18:14:58 GMT<p>Today we tackle some questions truck insurance agents and underwriters wish they could answer but usually can't. How does Northland's book really compare to Great West's across fleet, non-fleet, and single-unit segments? Who Is actually winning the battle for market share? What is GEICO's current footprint in the market since its aggressive entry a few years back, and where is that growth coming from?</p><p></p><p>We also uncover an unexpected trend in Texas, where Clear Blue is quietly emerging as a major player. Then we compare the dramatically different insurer landscapes in Texas and California, and explore why separating cargo type from operation type completely changes how you understand the market.</p><p></p><p>If you've ever wondered who is writing certain types of business and where it's located, this is an episode you won't want to miss.</p>no00:41:5715Great West vs. Northland vs. Geicofull<![CDATA[Insurtechs Under the Microscope]]>What is really happening in the truck insurance market, and how are insurtechs changing the game?

In this episode, we break down the biggest trends impacting commercial truck insurance and take a closer look at the underwriting approaches of Nirvana, HDVI, CoverWhale, and Corgi. We also examine actual examples of motor carriers these companies have recently written and what those placements reveal about their appetites.

Whether you're trying to place business, take business, or just understand the insurtech landscape, you won't want to miss this episode.

]]>df0f528c-cb15-4a37-84db-842db419b475Fri, 31 Jul 2026 19:41:09 GMT<p>What is really happening in the truck insurance market, and how are insurtechs changing the game?</p><p></p><p>In this episode, we break down the biggest trends impacting commercial truck insurance and take a closer look at the underwriting approaches of Nirvana, HDVI, CoverWhale, and Corgi. We also examine <i>actual examples</i> of motor carriers these companies have recently written and what those placements reveal about their appetites.</p><p></p><p>Whether you're trying to place business, take business, or just understand the insurtech landscape, you won't want to miss this episode.</p>no01:06:0914Insurtechs Under the Microscopefull<![CDATA[When AI Meets Truck Insurance]]>AI seems to be the topic of conversation everywhere and is already changing many aspects of our lives. But what role does it play - or should it play - in the world of truck insurance? On today's episode we discuss the inherent risks and challenges with incorporating AI into your workflow as well as explore the most impactful ways to leverage it. Join the conversation and keep up with the AI revolution.

]]>1cec9a62-7c2f-466c-b4c9-d64f6ebb893bThu, 23 Jul 2026 16:20:13 GMT<p>AI seems to be the topic of conversation everywhere and is already changing many aspects of our lives. But what role does it play - or should it play - in the world of truck insurance? On today's episode we discuss the inherent risks and challenges with incorporating AI into your workflow as well as explore the most impactful ways to leverage it. Join the conversation and keep up with the AI revolution.</p>no00:39:2613When AI Meets Truck Insurancefull<![CDATA[Risk Retention Groups]]>In today's episode we discuss Risk Retention Groups: what they are, how they differ from traditional insurance companies and the role they play in the overall market. During the discussion we open the Market Intelligence dashboard inside DOT Analysis and take a live look at the book of business of a couple actual RRGs in the market and look at ways to use them for placing business as well as discuss strategies for prospecting from their clients. As a bonus feature we also preview our upcoming discussion about MOTUS changes and its impact on the truck insurance industry.

Link to the FMCSA's explainer video about MOTUS: https://www.fmcsa.dot.gov/registration/registration-video-library

]]>1d5b99b7-3ff9-4182-bb63-80e812fcedf8Fri, 17 Jul 2026 18:00:00 GMT<p>In today's episode we discuss Risk Retention Groups: what they are, how they differ from traditional insurance companies and the role they play in the overall market. During the discussion we open the Market Intelligence dashboard inside DOT Analysis and take a live look at the book of business of a couple actual RRGs in the market and look at ways to use them for placing business as well as discuss strategies for prospecting from their clients. As a bonus feature we also preview our upcoming discussion about MOTUS changes and its impact on the truck insurance industry.</p><p></p><p>Link to the FMCSA's explainer video about MOTUS: <a rel="noopener noreferrer nofollow" href="https://www.fmcsa.dot.gov/registration/registration-video-library" target="_blank">https://www.fmcsa.dot.gov/registration/registration-video-library</a></p>no00:29:4912Risk Retention Groupsfull<![CDATA[So Many Questions]]>Join us as we tell the origin story of the DOT Analysis platform and then analyze Geico's book of business in real-time.

]]>6cee9311-17a1-4bb6-bf7b-bbeb3faf35b1Sat, 11 Jul 2026 22:39:29 GMT<p>Join us as we tell the origin story of the DOT Analysis platform and then analyze Geico's book of business in real-time.</p>no00:25:4711So Many Questionsfull