A submission lands and you've got thirty minutes to know a carrier you've never heard of — with the records spread across seven portals. Nivio returns the whole picture in one call, under 200ms: composite A–F score, nuclear-verdict flags, chameleon detection, litigation history. Bind it, and the carrier becomes a live book you monitor — crashes, miles by state, violations, and ELD data, the day they move.
Built for insurance brokers who place trucking coverage — and the policy systems they already run
Prospect the carriers worth writing, research every submission in one pass, and bind with a verdict you can defend — then monitor the book continuously, every mile and every ticket, all the way to renewal.
Safety, financial, operational, and litigation records normalized into one composite tier — explainable and auditable, with every weight and record visible, so you can defend the number to a reinsurer. Not a black box.
The carrier picture you'd open seven portals to assemble — pulled, scored, and classified FAST-TRACK, REFER, or DECLINE, with a drafted underwriter memo already in your inbox.
A Proprietary Algorithm surfaces the carriers carrying nuclear-verdict exposure before they reach your book — CRITICAL, HIGH, and CAUTION tiers, with the litigation and safety records behind each flag.
Operators that rebrand to shed a record, matched back to who they really are across a 4M-entity census.
Cases, settlements, and judgments tied to the DOT, its officers, and affiliated entities — plus MCS-90, BMC-91, cargo certificates and continuity flags.
Every bound carrier becomes a live portfolio entry. Track crashes, miles by state, inspections and violations, CSA movement, and live ELD telematics — and get the alert the day a score degrades, not the surprise at renewal. A daily scan surfaces the carriers drifting toward a claim.
Surface targets by risk and growth signal before a submission lands, and fingerprint group and single-parent captive membership before you admit or renew.
From the carriers you should be targeting to the book you've already bound. Every verdict explainable, every decision with a receipt.
We are pre-revenue and onboarding our first cohort — so here is what's real: the data, the speed, and the flags that are already in the platform.
Sub-200ms. Inline with your quote flow, not a four-day wait behind seven portals.
On 31M+ rows of carrier, inspection, and claims data across a 4M-entity census.
Carriers already flagged for nuclear-verdict exposure — before they reach your book.
We stand up a sandbox on your submissions and backtest against your worst claims.
A verdict you can't explain is a verdict you can't defend. Every Nivio score shows its work — the contributing signals, the weights, and the underlying records — so the people binding the risk, and the reinsurers behind them, can audit exactly how the number was reached.
Nivio Bind is trucking insurance submission software for brokers that returns a carrier risk verdict in under 200ms — a composite A–F score, nuclear-verdict flags, chameleon detection, and litigation history — scored across 800,000 pre-scored carriers on 31 million-plus rows of data.
Insurance brokers who place trucking coverage — they prospect carriers, build the submission, and onboard, then hand a complete, defensible risk package to the underwriter who prices and decides.
No. Every verdict is explainable and auditable — it shows the contributing signals behind each score, built for the regulatory and reinsurer conversations underwriters have to defend.
Nivio Bind plugs into the policy-admin systems underwriters already use, including AIM, Duck Creek, Guidewire, and Sapiens.
"For ten years my underwriters knew less about my fleet than I did — and priced it anyway. Nivio Bind puts the real carrier picture in front of the people binding the risk. So we built it."
Send us last quarter's submissions. We'll stand up a sandbox on your book, replay Nivio against the carriers that hurt you, and show you which nuclear-verdict carriers we'd have flagged before bind.