Insurance liaison
Walk into your renewal with a documented safety story.
Underwriters look at your record: inspection history, scores, claims and the programs behind them. We help carriers organize that record, explain it clearly, and align their safety work with what their insurer needs to see, working with your broker rather than around them.
Who it’s for
- A renewal in the next four months
- A premium increase you need to understand and respond to
- A new CVOR, PEVL or CSA concern your insurer will ask about
What we do
120 days out: pull the record
We gather your loss runs, recent inspection results and score snapshots (ISS, CVOR, PEVL), and read them the way an underwriter will.
90 days out: close the gaps
Driver files, maintenance records, training logs and missing policies are brought up to date, so every claim in your safety narrative has a document behind it.
60 days out: write the narrative
A short written summary of your safety program, what changed this year and why, for your broker to take into the underwriting conversation.
30 days out: meet alongside your broker
We prepare you, and if you wish attend with you and your broker, to answer questions about the program. After renewal, we note what the insurer asked for and build it into next year’s plan.
Renewal readiness starts 120 days out, not the week the quote arrives.
- −120 daysLoss runs and a score snapshot
- −90 daysClose gaps: driver files, maintenance
- −60 daysProgram and safety story to your broker
- −30 daysUnderwriter meeting, with your broker
- Renewal
What you get
- A renewal-readiness review of your loss runs, inspections and scores
- A gap list with owners and dates, closed before the submission
- A written safety program summary and narrative for your broker
- An organized evidence file: policies, driver files, maintenance and training records
- Meeting preparation, and a debrief that feeds next year’s safety plan
What we don’t do
- We are not an insurance broker or agent. We don’t sell, place or quote insurance.
- We don’t negotiate your premium. Only the insurer sets it.
- We don’t promise a lower premium or a better rating.
- We don’t go around your broker. We work with them.
Questions
Why would a carrier need help talking to its insurer?
Many small carriers run a safe operation but cannot show it: files are incomplete, policies are unwritten, and the only story the insurer sees is the score and the claims. We help you document the work you already do, and present it clearly.
Do insurers look at the ISS score?
Insurers consider a carrier’s record at renewal, and for fleets that run in the United States the FMCSA’s Inspection Selection System score is one of the benchmarks they read. What they do with it is their decision.
Will this reduce my premium?
We can’t promise that, and nobody else honestly can. The insurer sets the premium. What we can do is make sure your record is complete, your program is documented and your broker has a clear story to present.
Does my broker need to be involved?
Yes. Brokers are your route to the market, and we work alongside them. Most brokers welcome a client who arrives with an organized file.
When should we start?
Ideally four months before renewal. If your renewal is sooner, call us anyway: even a few weeks of preparation make the file clearer.
We work alongside your broker. Only the regulator assigns a rating, and only the insurer sets the premium.
Related
Book a 30-minute consultation.
Tell us whether you run a fleet or a growing business, and what is on your mind. We will get back to you promptly to set a time, on-site, remote or by phone. Prefer to talk now? Call 514-713-8214 or email info@pinnstrategies.com.