A Perpendo AI Platform · Navigate the data. Guide the decision.

Guided, precise intelligence for fleet risk.

Haulyra turns raw submissions, external data, and telematics evidence into clear, defensible underwriting decisions before risk is priced.

Classification

< 60s

Extraction and triage

Scoring model

Weighted dimensions

Traceability

100%

Field to score

Authority

Tier
1–5

Routing path

Telematics

Evidence score

Submission Intelligence Brief

Submission ID: 2841567

DOT #1842901 · Tier recommendation with traceable signal breakdown

Tier 1

Regulatory Compliance

92%

92/100

Driver Quality

85%

85/100

Loss History

78%

78/100

Operations & Exposure

88%

88/100

Equipment & Maintenance

91%

91/100

Hard stops: none detected

Bind within authority

Full extraction log available

Overview

Commercial fleet underwriting needs a more intelligent operating layer.

Haulyra turns raw submissions, external sources, and telematics evidence into structured underwriting intelligence that can be reviewed, scored, routed, and defended.

Fragmented submissions

ACORDs, loss runs, MVR packets, vehicle schedules, and telematics snapshots arrive in inconsistent formats.

Slow turnaround

Underwriting teams lose time preparing data before risk can even be evaluated.

Inconsistent scoring

Judgment varies by experience, workload, and access to reliable signals.

Compliance blind spots

FMCSA, Clearinghouse, MVR, and behavior evidence can be missed under pressure.

Platform

One platform. Dual-layer intelligence.

Built for both fleet and cargo underwriting, Haulyra connects document intelligence, enrichment, scoring, telematics evidence, and authority routing.

HAUL · Layer 1

Fleet · the carrier

Commercial auto and operator risk across liability, compliance, telematics, unit schedules, radius, and loss development.

FMCSA BASIC

MVR quality

Loss Run Analysis

Telematics evidence

Fleet schedule mapping

YRA · Layer 2 (*Future Roadmap)

Cargo · the goods

Motor truck cargo intelligence across commodity class, valuation, route exposure, refrigeration, and specialty freight.

Commodity detection

Hazmat flags

Route profiling

Temperature scoring

Document intelligence

Classifies and extracts ACORDs, loss runs, MVRs, declarations, vehicle schedules, and snapshots.

Data enrichment

Layers FMCSA SAFER, SMS, BASIC, Clearinghouse, and underwriting-adjacent sources.

Telematics evidence

Transforms telematics and operational data into underwriting signals and risk insights.

Quote decisioning

Combines tier assignment, hard-stop logic, discount eligibility, and authority routing.

Workflow

From submission to decision, intelligently orchestrated and fully traceable.

Haulyra moves from raw intake to structured underwriting action without losing explainability or control.

Submission intake

PDF, email, API upload, and telematics snapshot ingestion.

Classification

Documents and evidence are separated and routed to the right extraction path.

Enrichment

Structured fields are enriched with regulatory, loss, claims, and behavior signals.

Scoring

Weighted scores, telematics credit logic, and hard-stop rules run together.

Routing

Tier, conditions, and authority path are generated with audit trail intact.

Who it serves

Built for carriers, brokers, and MGAs across the trucking insurance ecosystem.

One underwriting intelligence platform, tailored to how each participant evaluates, places, routes, and manages fleet risk.

Faster renewals. Stronger underwriting confidence.

Haulyra helps strong fleet operators surface faster by turning compliance records, driver data, loss experience, and telematics evidence into a clear underwriting view.

What improves

Fairer review

Fewer follow-ups

Cleaner renewals

Defensible outcomes

Submissions that move with intelligence before market placement.

Haulyra helps brokers pre-screen submissions, identify missing evidence, understand risk tier, and present cleaner accounts before the underwriter asks the first question.

What improves

Faster placement

Better packet quality

Less back-and-forth

Sharper guidance

Structured intelligence behind underwriting authority.

Haulyra gives MGAs consistent scoring, tiered routing, portfolio visibility, audit-ready decision support, and configurable appetite logic across the submission flow.

What improves

Reduced referral leakage

Portfolio control

Configurable appetite

Audit-ready routing

Risk scoring engine

Five dimensions. One composite score. Full traceability.

The scoring model combines weighted logic with hard-stop override rules and telematics evidence support.

Tier 1

30% Compliance

25% Drivers

25% Loss

15% Operations

5% Equipment

Regulatory compliance · 30%

FMCSA BASIC, SMS alerts, Clearinghouse, safety ratings, and out-of-service rates.

Driver quality · 25%

MVR severity, CDL fit, tenure, driver-to-unit ratio, and turnover.

Loss history · 25%

Five-year development, large losses, reserve adequacy, frequency, and severity.

Operations & exposure · 15%

Commodity, radius, mileage, seasonality, and fleet growth velocity.

Equipment & maintenance · 5%

Unit age, inspection status, DVIR patterns, and maintenance risk flags.

Tier-based authority routing

Tier 1

85–100

Bind

Within authority

Tier 2

70–84

Quote

Standard terms

Tier 3

55–69

Refer

Conditional review

Tier 4

40–54

Escalate

Senior referral

Tier 5

Below 40

Review

Senior underwriting review

Telematics intelligence

Point-in-time telematics evidence for underwriting decisions.

Operational behavior becomes insurable evidence for pricing, claims defensibility, discount eligibility, referral rationale, and audit trail.

Account snapshot

Submission ID: 4810926

DOT #1847729 · 42 power units · 39 units in snapshot · 2.84M verified miles · 91% data confidence

Eligible with conditions

Suggested credit: 14%

Referral required

Claims linkage: 81

score

What telematics adds

Behavior evidence, translated for underwriting.

✓
Risk intelligence from speeding, harsh events, distracted driving, HOS, route risk, camera coverage, and vehicle health.
✓
Defensibility through video retention, event reconstruction, incident linkage, and evidence availability.
✓
Audit-ready rationale translating events into rules, thresholds, and underwriting conditions.
✓
Enhance to point-in-time telematics snapshots and future API feeds through the same canonical underwriting model.

Selected factor

Speeding exposure

Improving

18% weight

412 speeding hrs / 1.2M mi

score

Calculation captured

Posted-limit variance, duration above limit, road type, and trend improvement.

AI rule insight

Speeding is improving, but night interstate corridors remain on watch.

Rule outcome

Pass with monitoring. No bind block.

Selected factor

Harsh events

Watch

14% weight

186 events / 1,000 mi

score

Calculation captured

Hard brake, acceleration, cornering, severity, mileage normalization, and repeat-driver penalty.

AI rule insight

Harsh braking suggests following-distance and traffic-density exposure.

Rule outcome

Watch. Require route and driver coaching review.

Selected factor

Distracted driving

Action needed

16% weight

4 repeat drivers flagged

score

Calculation captured

Phone handling, eyes-off-road events, camera confirmation, and open coaching actions.

AI rule insight

Repeat-driver concentration indicates a control failure, not isolated noise.

Rule outcome

Senior underwriting referral until coaching closure is verified.

Selected factor

HOS / ELD reliability

Strong

12% weight

96% clean logs, 3 exceptions

score

Calculation captured

Clean-log ratio, exceptions, late logs, and unassigned miles.

AI rule insight

HOS controls are strong, with minor exception cleanup needed.

Rule outcome

No referral if exceptions are documented before bind.

Selected factor

Video evidence readiness

Improving

10% weight

92% retention coverage

score

Calculation captured

Camera coverage, clip availability, event linkage, and retention.

AI rule insight

Video supports claims defensibility, but incomplete retention prevents full credit.

Rule outcome

Credit-supporting evidence if gaps are explained.

Selected factor

Route & territory risk

Watch

9% weight

22% night miles, 18% high-loss corridor

score

Calculation captured

Night miles, urban density, weather, route clustering, and high-loss corridor exposure.

AI rule insight

Route profile is riskier than reported radius alone suggests.

Rule outcome

Benchmark before granting full telematics credit.

Selected factor

Vehicle health

Strong with condition

11% weight

7 open defects, 2 brake-critical

score

Calculation captured

DTC codes, brake alerts, DVIR defects, and service-overdue days.

AI rule insight

Vehicle health is generally strong, but brake-critical defects need closure.

Rule outcome

Maintain credit if critical defects are resolved.

Selected factor

Coaching closure

Improving

10% weight

81% closed, 4 overdue actions

score

Calculation captured

Coaching closure, overdue actions, repeat events, and attestation.

AI rule insight

The coaching process exists, but overdue actions weaken the control story.

Rule outcome

Conditional approval until overdue coaching is closed.

Why Haulyra

Domain native. Precise. Clear. Defensible.

The brand promise and product behavior align: navigated clarity, precision intelligence, fleet-native design, and decisions that hold up over time.

Navigated clarity

Guides underwriters through dense fleet data toward clear, traceable outcomes.

Precision intelligence

Signal detection across FMCSA, MVR, loss runs, telematics, and operational data.

Domain native

Built for commercial trucking underwriting workflows.

Defensible decisions

Every score, flag, and routing path is explainable and auditable.

Get started

See Haulyra score a live fleet submission against your appetite guidelines.

Run a pilot on 5 submissions and evaluate operational data translate into underwriting intelligence and decision support.