Begin Risk Assessment
Enter a DOT number above to generate a real-time risk profile.
Analyzing FMCSA Signals...
Top Risk Drivers
Safety Performance
--Compliance Behavior
--Operational Stability
--Fin/Admin Stability
--Risk Score & Tiers
The CarrierMetric Risk Score ranges from 0–100 and classifies carriers into four tiers to guide underwriting decisions:
- Preferred (Auto-Bind) 95–100: Elite carriers with pristine safety records and exceptional stability.
- Standard (Fast-Track) 80–94.9: Core standard-market carriers with solid operational profiles.
- Moderate (Manual Review) 65–79.9: Noticeable risk factors requiring underwriter review before binding.
- High Risk (Refer/Decline) 0–64.9: Severe safety, compliance, or financial stability issues.
The score is a weighted composite of four pillars: Safety (30%), Compliance (25%), Financial (30%), and Operations (15%). Confidence is informational only and does not reduce the score.
Trend Analysis
The Trend Label compares the total number of crashes and violations over two distinct periods:
- Improving: Fewer events in the last 6 months compared to the prior 6-12 month period.
- Stable: The event rate has remained consistent.
- Deteriorating: An increase in inspection violations or crashes in the most recent 6-month period, signaling potential emerging risk.
Risk Engine — Score Guide
The Risk Score (0–100) evaluates a carrier's safety, compliance, financial stability, and operational maturity. Higher scores indicate cleaner, more insurable fleets. Use this to decide whether to write and how to price.
Tier Classification
The Four Risk Pillars
The composite score is a weighted average of four independent pillars. Each starts at 100 and receives point deductions for identified risk signals.
On-road safety performance based on crashes, OOS rates, and HOS compliance.
- Crash frequency & severity (fleet-normalized, time-decayed)
- Vehicle OOS rate vs national average
- Driver OOS rate vs national average
- Hours-of-service violations (≥3 = penalty)
Regulatory compliance patterns from inspection history and violation severity.
- Violation density (violations per inspection)
- Compliance behavior score & rating
- Drug/alcohol tier violations (Tier 10)
- No-inspection information gap
Business health and insurance continuity — leading indicators of future failure.
- Authority revocations (24 months, up to −35 pts)
- Insurance instability (cancellations, gaps, switches)
- Tier 10 catastrophic violation cap
Administrative discipline and operational maturity signals.
- New venture penalty (tiered by months active)
- Driver/power unit mismatch
- MCS-150 filing staleness
- Mileage reporting inconsistency
- Zero power units penalty
Confidence Score
The Confidence Score is informational only — it does not reduce the Risk Score. It indicates how much data is available to evaluate the carrier. Low confidence means limited inspection or filing history, not necessarily poor quality.
Trend Analysis
Compares crash and violation counts in the last 6 months vs the prior 6–12 months. Improving = fewer recent events. Stable = consistent. Deteriorating = increasing events.
Scoring Tab
The Scoring tab shows a detailed penalty breakdown for each pillar — every point deduction with its reason. Use this to understand exactly why a carrier scored the way they did.
If the carrier has chameleon detection data, a Chameleon Detection card also appears showing identity-reuse signals, linked DOTs, and confidence tier.
Pro Tips
- Use the Scoring tab to explain risk decisions to agents or underwriters — every penalty is documented.
- Check the Insurance tab for policy timeline, cancellation history, and insurer switches.
- Save to MyBook to track changes over time and get daily email alerts.
- Risk Score ≠ Lead Score — Risk Score measures quality (should I write this?), Lead Score measures timing (should I call now?).