Know how an underwriter sees your fleet — before they do.
Your compliance signals quietly decide your premium. X3 Insurability rolls your live CSA, HOS, MVR, crash and inspection data into one Fleet Insurability Score, translates every issue into modeled premium impact, and hands you the highest-value fixes — the CEO view of your business risk.
Enter your DOT. See what an underwriter sees.
We pull the carrier’s live public CSA record and model it the way an underwriter would — one Fleet Insurability Score, the areas that drag it down, and how to raise it. Here’s a real sample:
Sample carrier · your real fleet fills the same dashboard
You’re not buying insurance — you’re selling your insurability.
Every compliance issue an underwriter can see becomes a premium, a deductible, a coverage limit — or a lost shipper contract. X3 Insurability turns those signals into dollars-and-risk you can act on, and shows you the exact fixes that move your score before renewal.
One score, three audiences.
The Fleet Insurability Score answers the owner (“how healthy is my business?”), the underwriter (“how risky is this fleet?”) and the shipper (“can I trust this carrier?”) at once.
Premium impact, ranked.
We rank which compliance issues most influence underwriting and how many points each fix recovers — modeled risk indicators, not a guaranteed premium change.
Walk into renewal ready.
Track policies, COIs and renewal dates so you show up to underwriting with your score already working in your favor.
Every risk domain, in one score.
X3 Insurability aggregates the signals an underwriter weighs — CSA, MVR, HOS, crashes, inspections, drug & alcohol, maintenance and insurance filings — into a single Fleet Insurability Score.
Twelve agents. One fleet-risk brain.
A cause-and-effect intelligence system: violation intelligence flows into the data behind the score, behavior mapping and inspection-risk, then into prevention, corrective action, forecasting and an executive brief. Grounded in the X3 DOT Skills corpus and verified SMS methodology.
From compliance signals to a lower risk profile.
Enter your DOT
We pull your live FMCSA record through CarrierOK — every BASIC percentile, inspection, violation, crash and insurance filing. No spreadsheets, no manual entry.
We watch it every day
Every morning we re-pull and diff your record, so you know exactly what changed overnight — before FMCSA or your insurer does.
Act on what matters
Prioritized fixes ranked by business impact, the exact inspections worth a DataQ challenge, coaching plans, and an insurer-ready packet.
Pricing by request while the catalog is finalized.
X3 Insurability provides the risk, renewal, and insurance-readiness workflows described above. Self-serve checkout is not enabled for this product yet, so we will confirm the right access path before any payment.
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Frequently Asked Questions
Is this an insurance quote?
No. We are not an insurer or broker. The Fleet Insurability Score is a modeled risk indicator that shows how an underwriter is likely to see your fleet — and how to improve it. Your agent still writes the policy.
Where does the score come from?
From your live public CSA SMS percentiles (already exposure-normalized for fleet size), crashes and inspection history, scored the way underwriting weighs risk. Premium-impact points are clearly labeled modeled estimates, not quotes.
Does it work with my other X3 products?
Yes — one login across the X3 empire. Insurability consumes MVR, HOS, CSA, DataQ, Audit, Background and D&A signals, and every fix routes to the X3 product that closes it.
Where does my insurability score come from?
It blends your public CSA/SMS exposure with the underwriting factors carriers are actually judged on, so you see your risk the way an underwriter does.
Will this lower my premium?
It surfaces the specific behaviors driving your risk so you can fix them before renewal. Insurers set final pricing — we make sure you walk in with a clean story.
How often should I check my score?
Monthly, and always before a renewal or a new-coverage application, so there are no surprises when the underwriter pulls your record.
X3 Insurability is even stronger inside X3 Compass
X3 Insurability is one of 18+ FMCSA compliance tools built into X3 Compass — your all-in-one virtual safety director. One login runs your entire safety department from a single dashboard, with one shared driver & vehicle record across every tool.
One login, every tool
DataQ, CSA, DQ files, drug & alcohol, hazmat, permits and more — no juggling separate logins or vendors.
One driver & vehicle record
Every tool reads the same fleet data, so a driver or truck is entered once and shared everywhere.
One safety picture
See your whole fleet's compliance, scores and risk in a single command center — not ten dashboards.
One subscription for the platform. Pass-through items — MVR & background pulls, state & permit fees, and optional continuous monitoring — are billed at cost on top.
Ready to see how insurable your fleet really is?
Get your Fleet Insurability Score, the premium impact of every issue, and the fixes that raise it — before your next renewal.