Transport Risk Intelligence
For insurers

Premium you would otherwise decline.

TRI produces the evidence that makes a transport account rateable. Accounts that present as unquotable are usually not badly run — they are unevidenced. We close that gap and put a scored, auditable report in front of underwriting.

Book a portfolio review →
We will bring a sample report and the rubric.

The problem is evidential, not operational

Underwriters decline transport operators for being unprovable, not for being badly run. A fleet can be fully tracked, securely garaged and inspected daily and still present as a bad risk, because none of it is documented, owned or reviewed.

Good practice held in one person's head is not a control that can be rated. It also does not survive that person leaving.

How an account becomes quotable

01

Declined

No quote, no market, or terms that will not hold

02

Assessed

A day on site. Every vehicle, every file, every control

03

Evidenced

69 scored items mapped to your own proposal form

04

Quotable

A band, a rating posture, and a 90-day improvement plan

What underwriting receives

The report

  • Overall score and risk band
  • Section scores across six domains
  • Recommended rating posture
  • Three-year loss ratio against risk premium at 60% of gross
  • Key strengths and development areas
  • Prioritised recommendations per section

The appendix

  • All 69 questions, scored 1–5
  • Evidence flag per item — produced, sighted, or unavailable
  • Assessor comment on every question
  • Not-applicable items excluded and stated
  • Assessor declaration and date

Portfolio services

Loss ratio remediation

Rank a book by remediation upside and work the accounts dragging the ratio.

Claims analysis

Root cause across a portfolio, not incident by incident.

Sponsorship

Part-fund risk management on an account you are trying to retain, against a measurable score improvement.

Documents