We Don’t Have A Magic Wand.
We Help You Reduce Your Costs In The Short and Long Term Through Safety
The only way to truly minimize your insurance costs is by improving safety over time. The power is in your hands to get better coverage for your fleet.
Robley Insurance + Claim Shield:
Your Framework For Better Safety and Lower Rates
With white glove safety service, safety procedures are based on your safety scores, not a one-size-fits-all approach. Then plans are put in place for the best steps to improve your insurance rates. The Robley + Claim Shield Framework puts safety in the spotlight to help you better understand how improved safety isn’t just good for your drivers and other motorists on the road, but good for your insurance costs. With Robley + Claim Shield, we provide customizable safety from an in-house team to not just find the best rate out there for you now but reduce your costs significantly over time.
Robley Insurance + Claim Shield:
Your Framework For Better Safety and Lower Rates
With white glove safety service, safety procedures are based on your safety scores, not a one-size-fits-all approach. Then plans are put in place for the best steps to improve your insurance rates. The Robley + Claim Shield Framework puts safety in the spotlight to help you better understand how improved safety isn’t just good for your drivers and other motorists on the road, but good for your insurance costs. With Robley + Claim Shield, we provide customizable safety from an in-house team to not just find the best rate out there for you now but reduce your costs significantly over time.
The Robley + Claim Shield Framework:
Helping you Reach Your Potential As a Best In Class Fleet
Step One
Complete Risk Assessment
We start with assessing what areas look good and what needs improvement. Next, we look for areas of weakness and examine your CAB (Central Analysis Bureau) report and assess the key areas for improvement. We create projections to improve your score over time and seek out ‘culprits’ in the company. Sometimes 10% of the drivers are causing 90% of the problems.
Fleet Trucking Key Assessment Categories:
- Driver hiring process
- Driver review process
- Pre and post trip inspections
- Driver training
- Vehicle maintenance schedule/plan
- Disciplinary action program
- Incentive program
Step Two
Claim Shield Roadmap
In step two, we’ll create a custom monthly plan of attack for each area of your specific weaknesses. The goal is to make implementations as simple as possible, so your fleet will make safety procedures part of their regular routine. Safety should be simple, so our goal is to help create small steps to better your safety rating and in turn lower your insurance rates for now and continuously over time.
Step Two
Claim Shield Roadmap
In step two, we’ll create a custom monthly plan of attack for each area of your specific weaknesses. The goal is to make implementations as simple as possible, so your fleet will make safety procedures part of their regular routine. Safety should be simple, so our goal is to help create small steps to better your safety rating and in turn lower your insurance rates for now and continuously over time.
Step Three
Execution and Rituals
A Claim Shield specialist works with you in monthly activities specifically designed for your fleet and drivers. We’ll work together to promote and build safety rituals which are then reinforced during monthly visits with your Claim Shield Specialist. These safety rituals are small, but powerful key actions your fleet will use to improve overall safety. By breaking down safety initiatives into simple rituals, establishing long-term safety and lower insurance rates become part of a driver’s day to day routine.
Step Four
Report to Insurance
Your safety rating, and insurance rate, won’t improve if the insurance company doesn’t know you’re taking steps to improve your safety. In many cases with a third-party safety company, there is no line of communication back and forth, meaning all the work you put into safety measures is not being factored into your insurance rate. In step four, we’ll also put together a brag book. Your brag book compiles all of the completed items from the Claim Shield Roadmap. We then leverage this to obtain better renewal prices and terms for your insurance coverage.
Step Four
Report to Insurance
Your safety rating, and insurance rate, won’t improve if the insurance company doesn’t know you’re taking steps to improve your safety. In many cases with a third-party safety company, there is no line of communication back and forth, meaning all the work you put into safety measures is not being factored into your insurance rate. In step four, we’ll also put together a brag book. Your brag book compiles all of the completed items from the Claim Shield Roadmap. We then leverage this to obtain better renewal prices and terms for your insurance coverage.
Step Five
Provide Recognition
We believe in the power of safety and give credit where credit is due. We award our Claim Shield clients with a plaque of achievement as recognition. By Step Five, you have earned lower rates and you deserve to receive a preferred or best in class rating from your insurance carrier!
Start Reducing Insurance Costs Now
Reducing your trucking insurance costs isn’t easy, but it is simple. These three simple tips helps improve your overall safety and decrease your insurance costs over time. Implement these three steps now and start lowering costs.
3 Steps to Success:
- Implement disciplinary action programs and incentive programs
- Establish pre and post trip inspections
- Develop accessible driver training
Start Reducing Insurance Costs Now
Reducing your trucking insurance costs isn’t easy, but it is simple. These three simple tips helps improve your overall safety and decrease your insurance costs over time. Implement these three steps now and start lowering costs.
3 Steps to Success:
- Implement disciplinary action programs and incentive programs
- Establish pre and post trip inspections
- Develop accessible driver training
Insurance Carriers Know A Lot About You
There are no secrets when it comes to your safety scores.
All trucking companies are required to file a Federal Filing, and much of their information is free to the public. This information is gathered by a company called Central Analysis Bureau (CAB). Agents and Underwriters pay a fee and have unlimited access to this information. On any trucker, an underwriter knows who they are insured with, what they haul, their radius of operations, and more. These details and safety scores directly impact the level or category your company falls into. Because of this open information, it’s crucial to find the root cause of problematic safety scores and improve them.
Did You Know?
You Are In Control of Your Insurance Rates
Safety scores are very similar to credit scores. If you have a poor credit score, very few lenders will consider you, and their interest rates will be very unfavorable. If you have an excellent credit score, the preferred lenders want to give you money, and you will get an excellent interest rate. The same rings true with these safety scores. The small number of insurance carriers that ensure trucking can be divided into three categories – preferred, middle, and distressed.
Preferred
- Mileage-rates based on the estimated number of miles driven in a year
- Easy payment plans
- A high level of trust with per mile estimates, preferred companies don’t have to jump through the same hoops as distressed companies
- Easy addition and removal of vehicles
Middle
Fleets covered in the middle category are offered:
- Rates better than distressed, but don’t qualify for preferred consideration
- Insurance rates based on standards, safety scores, and more
- The potential to move to preferred status if safety protocols are improved and documented back to the insurer
Distressed
Fleets in the distressed category are offered:
- Double or triple the price of preferred carriers with brutal terms
- Coverage adjusted per power unit, so if a truck is out of commission, the company will have to pay on this unit regardless.
- Full payment of fees that often require premium finance
- Difficult process for adding and deleting a vehicle
Simply Safer Fleets. Lower Rates.
Better Safety Isn’t Always Easy, But It Should Be Simple
Most insurance companies talk about the same things – coverage, service, and price. People usually think the best way to get the best price is by scouring the market and going with the lowest rate. But if you do nothing to improve your safety, insurance rates will continue to rise year over year. You might find a carrier with a lower rate, but it won’t be significant and will likely rise again the next year. The only way to become best in class, and significantly lower your insurance rates, is through safety. There is a lot to do, and it’s not always easy, but we make it simple and possible to achieve. Don’t let anyone tell you you’re locked into insurance rates. You have the opportunity to change how much you pay if you’re ready to put in the work.
Simply Safer Fleets. Lower Rates.
Better Safety Isn’t Always Easy, But It Should Be Simple
Most insurance companies talk about the same things – coverage, service, and price. People usually think the best way to get the best price is by scouring the market and going with the lowest rate. But if you do nothing to improve your safety, insurance rates will continue to rise year over year. You might find a carrier with a lower rate, but it won’t be significant and will likely rise again the next year. The only way to become best in class, and significantly lower your insurance rates, is through safety. There is a lot to do, and it’s not always easy, but we make it simple and possible to achieve. Don’t let anyone tell you you’re locked into insurance rates. You have the opportunity to change how much you pay if you’re ready to put in the work.
Getting the best price for insurance shouldn’t be complicated.
We’ll work together to make it a seamless part of your overall operation. With Robley and Claim Shield, you’ll get:
- Full safety services with a customized plan for your company
- Simple rituals to make safety a regular part of your routine
- Documentation back to insurance companies to prove safety standards and lower costs
- Recognition for your safety efforts and progress to being a preferred company with best in class standards