You bought the cameras, ran the coaching, built a real safety culture. Your insurance bill doesn't know it. Your broker shows up the week before renewal with a binder you can't push back on — and your safety investments never show up in the rate. Shield turns your ELD, CSA, and claims data into a renewal narrative your underwriter can't ignore.
Built on the data underwriters actually price you on
Renewal happens once a year. Your risk changes every day. Shield watches it continuously and hands you the proof when it counts.
Shield pulls the exact A–F verdict an underwriter would run on your DOT — the same nuclear-verdict, CSA, and litigation signals that decide your rate. No more being graded on data you've never seen. You walk into renewal already knowing your number.
Every quarter, Shield auto-generates a binder-ready renewal narrative from your live data — trends, dollar impact, peer position — then matches you to the insurers most likely to quote your profile, application pre-filled. Your broker just opens the link.
A ranked punch list by recovery speed and premium impact: cut Unsafe Driving from 65 to 45 → estimated dollars off your renewal. "Be safer" becomes a to-do list with a number on it.
Speeding, hard-braking, HOS — straight from Motive, Samsara, Geotab, Omnitracs. The signals underwriters wish they had, working for you.
FMCSA CSA data tracked as a trend, with the specific inspections and violations driving each BASIC — so you fix the cause, not the symptom.
Route-level inspection-hotspot alerts before dispatch, plus IFTA miles-by-state, tracked automatically.
Same commodity, same size, same geography. When a safe fleet gets graded on the industry average, the safe fleet loses. Shield shows where you really sit, so you get priced for who you are.
Connect once. Shield does the rest, all year — so you walk into renewal with proof instead of a binder you can't argue with.
Pilot framing. We're onboarding the first cohort now — these are the numbers we're building the book on, 2026.
Average premium reduction or held-flat renewal for Shield-monitored pilot fleets.
Continuous, not a point-in-time PDF assembled the week before renewal.
Binder-ready and auto-generated every quarter — your broker just opens the link.
No renewal binders to build by hand. Connect your ELD and last loss run — that's it.
Every renewal, the underwriter had worse data on my fleet than I did — and I still paid for it. Shield is the proof I wish I'd had in the room.
Nivio Shield is a carrier-side insurance platform for fleet owners. It helps fleets find insurers, manage onboarding, and defend premiums by turning ELD, CSA, and claims data into a continuously updated, defensible renewal narrative.
Pilot fleets average 18% premium savings at renewal by walking in with a data-backed risk-reduction story instead of being graded on the industry average.
Fleet owners and their insurance risk teams who are safer than the industry average but pay like they are not — because their underwriter cannot see their real safety record.
Continuous ELD, CSA, and claims data, integrated from Motive, Samsara, Geotab, and Omnitracs, benchmarked against the fleet's actual peer cohort.
"I ran a 100-truck fleet that was safer than our class — and paid like we weren't, because the underwriter couldn't see it. Shield is how you walk into renewal with proof. So we built it."
Give us 15 minutes, your ELD login, and your last loss run. We'll show you your Shield score, where you sit against your peer class, and the renewal narrative we'd hand your underwriter. On your real data.