HUBBARD TRUCKING INC
FLAT LICK, KY
DBA: HUBBARD TRUCKING
Joins 18 roadside inspections (24 mo), 1 authority docket, BIPD on file (Key Risk Insurance Company) from FMCSA public filings. Data as of Oct 19, 2026. Booking triage is above; confirm on SAFER before tendering.
Book with caution — review signals below
No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking.
Plain-text risk summary (print / paste)
TruckCodex risk summary — HUBBARD TRUCKING INC (USDOT 649173) Verdict: CAUTION Book with caution — review signals below No hard OOS / revoked / uninsured blocker, but elevated risk signals need a human look before booking. Authority / census status: Active Blockers: (none) Cautions: • Prior insurance gap · 12 days — Jan 14, 2011 → Jan 26, 2011 • Contract (Property) gap · 164 days — Inactive Jun 30, 2003 → reinstated Dec 11, 2003 • OOS rate worse than size peers — Vehicle 16.7% vs peer 14.7% • 1 fatality on crash record — 10 FMCSA-reportable crashes on file. On file: • 1 active operating authority • Active insurance on file — Key Risk Insurance Company · BMC-91X • BOC-3 process agent on file — AllAmerican Agents of Process Source: https://truckcodex.com/usdot/649173/ As of: Oct 19, 2026 Always confirm on FMCSA SAFER and L&I before tendering — TruckCodex mirrors public filings and can lag by up to a day.
FMCSA census as of Oct 19, 2026 · Sources · Freshness · Methodology · Disclaimer
TruckCodex · filing & peer scorecard
TruckCodex filing & peer scorecard · A
Composite of 4/5 scored components (mean 85/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
A
confidence 80% · 4/5 signals · expand
TruckCodex filing & peer scorecard · A
Composite of 4/5 scored components (mean 85/100). Separate from booking triage on this page. Expand for per-signal evidence. Heuristic — not an FMCSA rating or legal advice.
Active census status with no OOS order or revoked authority on file.
Active BIPD/Primary-like policy on file in our insurance history.
Driver OOS 0% vs peer median 0% (neutral). Vehicle OOS 16.7% vs peer median 14.7% (worse). n=19470 same-size ACTIVE peers.
FMCSA has not assigned this carrier a formal safety rating. We do not invent one.
NR reason: No published FMCSA safety_rating.
No BMC-91 insurance-lapse watch classification on file for this USDOT.
TruckCodex filing & peer scorecard from authority, BIPD, peer OOS, FMCSA safety rating, and insurance-watch signals. Not a booking verdict and not legal advice. See methodology. Booking triage on this page: Caution.
Recent changes
- Company officer 2 HOLLI HUBBARD → JOE HUBBARD · Oct 19, 2026 · FMCSA Company Census
- Company officer JOE HUBBARD → HOLLI HUBBARD · Oct 19, 2026 · FMCSA Company Census
Company profile
No active FMCSA cargo filing on file.
FMCSA L&I filing evidence — not a shipper certificate of insurance (COI). Cargo (BMC-34) is primarily an HHG / household-goods requirement; general freight carriers often have none.
No active broker surety bond or trust fund on file.
BMC-84 is a surety bond; BMC-85 is a trust-fund agreement. Required for property brokers / freight forwarders — not motor-carrier BIPD liability insurance.
Based on FMCSA authority grant of 2004-07-21 (2,000+ days). Published gates only — not a guarantee they will accept. Confirm with the broker.
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InsuranceKey Risk Insurance CompanyPolicy effective Feb 15, 2021
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Process AgentAllAmerican Agents of ProcessBOC-3 on file
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Operating AuthorityMC434429ACTIVE
Fleet details (MCS-150)
| Vehicle type | Owned | Term leased | Trip leased |
|---|---|---|---|
| Truck tractors | 0 | 5 | 0 |
| Trucks | 35 | 13 | 0 |
Self-reported on the carrier’s Form MCS-150 (FMCSA Company Census).
Accident reports (24 months)
All 10 crashes →| Last 6 months | 6–12 months | 12–24 months | Total | |
|---|---|---|---|---|
| Fatalities | 0 | 0 | 0 | 0 |
| Injuries | 0 | 0 | 1 | 1 |
| Tow-away | 0 | 0 | 0 | 0 |
| Crash reports | 0 | 0 | 1 | 1 |
Reportable crashes from FMCSA MCMIS for the trailing 24 months. Counts may differ slightly from SAFER due to reporting lag.
Inspections (24 months)
All 29 inspections →| Driver | Vehicle | Hazmat | |
|---|---|---|---|
| Inspections | 18 | 18 | 0 |
| OOS inspections | 0 | 1 | 0 |
| OOS percentage | 0% | 5.56% | — |
| National average | 6.7% | 23.4% | 4.4% |
Roadside inspections in the last 24 months. National averages are FMCSA MCSAP reference rates (driver ~6.7%, vehicle ~23.4%, hazmat ~4.4%).
Risk Signals
Out-of-Service rate vs same-size peers FMCSA roadside inspections, % placed out-of-service
Compared against 19,470 ACTIVE carriers operating 26–80 power units (±50% of this carrier's 53 unit fleet).
Authority gap detected (1)
- Contract (Property) authority was inactive from Jun 30, 2003 to Dec 11, 2003 (164 days)
Historical coverage gap detected (1)
- No active BIPD/Primary insurance from Jan 14, 2011 to Jan 26, 2011 (12 days)
Fleet History
Field change history →Sourced from FMCSA daily imports; field-level change log. 2 tracked changes on record. · 2 officer changes
Record Changes
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Company officer 2 HOLLI HUBBARD JOE HUBBARDFMCSA Company Census
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Company officer JOE HUBBARD HOLLI HUBBARDFMCSA Company Census
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Inspection Analytics Monthly activity · BASIC mix · state map
Monthly Inspection Activity (13 months)
Violations by BASIC Category
Activity by State
| State | Inspections | OOS | OOS % | Last Inspection |
|---|---|---|---|---|
| Tennessee (TN) | 7 | 0 | 0.0% | Jun 3, 2026 |
| South Carolina (SC) | 3 | 0 | 0.0% | Mar 24, 2026 |
| Alabama (AL) | 2 | 0 | 0.0% | Nov 25, 2025 |
| Kentucky (KY) | 2 | 0 | 0.0% | Jan 12, 2026 |
| Nevada (NV) | 1 | 1 | 100.0% | Mar 10, 2025 |
| Oklahoma (OK) | 1 | 0 | 0.0% | Mar 10, 2026 |
| North Carolina (NC) | 1 | 0 | 0.0% | Sep 1, 2026 |
| Georgia (GA) | 1 | 0 | 0.0% | Jan 16, 2026 |
Vehicle Fleet Top makes and models observed in roadside inspections
SMS BASIC Scores FMCSA Safety Measurement System per-BASIC scores
| BASIC | Inspections | Serious | Measure | Percentile | Alert | As Of |
|---|---|---|---|---|---|---|
| Driver Fitness | 0 | — | 0.00 | 0 | — | Oct 19, 2026 |
| Controlled Substances / Alcohol | 0 | — | 0.00 | 0 | — | Oct 19, 2026 |
| Hours of Service | 0 | — | 0.00 | 0 | — | Oct 19, 2026 |
| Unsafe Driving | 2 | — | 0.33 | 0 | — | Oct 19, 2026 |
| Vehicle Maintenance | 1 | — | 1.00 | 1 | — | Oct 19, 2026 |
Higher percentiles indicate worse performance relative to peer carriers. Carriers at or above the FMCSA intervention threshold are marked ALERT.
Recent Inspections (29 rows) View all 29 →
| Inspection # | Date ▼ | State | Level | Station | Vehicle | Violations | Top Codes | OOS |
|---|---|---|---|---|---|---|---|---|
| 88866869 | Sep 1, 2026 | NC | 3 | MARS HILL NC |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 88048843 | Jun 3, 2026 | TN | 3 | — |
PETERBILT TRUCK TRACTOR
|
0 | — | No |
| 87428002 | Mar 24, 2026 | SC | 3 | AIKEN SC |
MACK STRAIGHT TRUCK
|
1 | 392.16-D | No |
| 87262306 | Mar 10, 2026 | OK | 1 | SEQUOYAH PORT OF ENTRY |
MACK STRAIGHT TRUCK
|
0 | — | No |
| 87259323 | Mar 9, 2026 | TN | 2 | OAK RIDGE TN |
PETERBILT STRAIGHT TRUCK
|
1 | 392.2-SLLEWG3 | No |
| 87256786 | Mar 9, 2026 | TN | 1 | OAK RIDGE TN |
MACK STRAIGHT TRUCK
|
0 | — | No |
| 86829801 | Jan 16, 2026 | GA | 3 | AUGUSTA GA |
MACK STRAIGHT TRUCK
|
1 | 392.2-SLLLR | No |
| 86765404 | Jan 12, 2026 | KY | 3 | KUTTAWA |
FREIGHTLINER STRAIGHT TRUCK
|
0 | — | No |
| 86415794 | Nov 25, 2025 | AL | 3 | DETROIT AL |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 86365693 | Nov 19, 2025 | AL | 3 | DETROIT AL |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 85878591 | Sep 25, 2025 | SC | 3 | BEECH ISLAND SC |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 85796279 | Sep 15, 2025 | TN | 2 | OLIVER SPRINGS TN |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 85794034 | Sep 15, 2025 | TN | 2 | OLIVER SPRINGS TN |
PETERBILT STRAIGHT TRUCK
|
0 | — | No |
| 84162084 | Mar 18, 2025 | SC | 3 | TRENTON SC |
MACK STRAIGHT TRUCK
|
3 | 392.2-SLLSR, 392.2-SLLIFTA, 392.2-SLLIRP | No |
| 84602527 | Mar 14, 2025 | TN | 2 | ROADSIDE |
PETERBILT STRAIGHT TRUCK
|
2 | 392.2-SLL, 392.2RG | No |
| 84080793 | Mar 10, 2025 | NV | 2 | ROADSIDE |
KENWORTH STRAIGHT TRUCK
|
4 | 396.3A1-STFAC, 393.75A3-TAOL, 393.75A3-TFL | Yes |
| 83331522 | Dec 5, 2024 | TN | 3 | tn-mt.-juliet-tn |
FREIGHTLINER STRAIGHT TRUCK
|
0 | — | No |
| 83181891 | Nov 15, 2024 | KY | 3 | PINEVILLE |
MACK STRAIGHT TRUCK
|
2 | 392.2, 392.2IRP | No |
| 82783910 | Sep 26, 2024 | TN | 3 | tn-mt.-juliet-tn |
FREIGHTLINER STRAIGHT TRUCK
|
0 | — | No |
| 82669831 | Sep 12, 2024 | IL | 2 | il-020---marion---i-57-s/b |
PETERBILT STRAIGHT TRUCK
|
2 | 392.2 | No |
| 82669640 | Sep 12, 2024 | IL | 3 | I57 |
PETERBILT STRAIGHT TRUCK
|
2 | 392.2 | No |
| 82619941 | Sep 10, 2024 | KY | 3 | KUTTAWA |
FREIGHTLINER STRAIGHT TRUCK
|
1 | 392.2 | No |
| 82496134 | Aug 27, 2024 | KY | 1 | EDDYVILLE |
FREIGHTLINER STRAIGHT TRUCK
|
0 | — | No |
| 80801783 | Feb 6, 2024 | NC | 2 | I-40 |
PETERBILT TRUCK TRACTOR
|
0 | — | No |
| 80686765 | Jan 25, 2024 | SC | 2 | SC 121 SALUDA COUNTY |
PETERBILT TRUCK TRACTOR
|
0 | — | No |
Recent Crashes (10 rows)
| Report # | Date ▼ | State | Fatalities | Injuries | Tow | Hazmat | Severity |
|---|---|---|---|---|---|---|---|
| NV0250300660 | Mar 10, 2025 | NV | 0 | 1 | No | No | Injury |
| NV0200084504 | Feb 23, 2024 | NV | 0 | 1 | Yes | No | Injury |
| OK00C0023520 | Mar 3, 2020 | OK | 0 | 1 | Yes | No | Injury |
| NM0030251225 | Nov 6, 2018 | NM | 0 | 0 | Yes | No | Tow |
| OH0116532370 | May 13, 2011 | OH | 0 | 0 | Yes | No | Tow |
| TN0100002939 | Aug 12, 2010 | TN | 0 | 0 | Yes | No | Tow |
| LA3161729328 | Mar 2, 2009 | LA | 0 | 2 | Yes | No | Injury |
| KY0070354450 | Aug 31, 2006 | KY | 1 | 0 | Yes | No | Fatal |
| TN0007540646 | Sep 20, 2004 | TN | 0 | 0 | Yes | No | Tow |
| KY0000459619 | Mar 9, 2001 | KY | 0 | 1 | No | No | Injury |
Authority Records (2 dockets)
Revocations & Inactive Status
Authority actions other than active status — revocations, voluntary surrenders, and dormant dockets.
| Date | Docket | Authority | Status | Applied |
|---|---|---|---|---|
| Unknown | MC434429 | common | N | — |
MC Certificate Documents (5 letters, 2 PDFs available)
Authority Records (above) are FMCSA docket status and lifecycle events. MC Certificate Documents here are the archived PDF letters for each action — grants, reinstatements, revocations, name changes, and transfers. They are related but not the same dataset: one row per PDF letter, not one file per docket.
Each row is a distinct FMCSA letter (grant, reinstatement, revocation, name change, transfer, etc.). When a PDF is archived, click the link to open that letter. Rows without a link still show the action type and date from our index. FMCSA stopped publishing new daily certificate PDFs after the May 2026 Motus cutover — rows below are historical archive only.
Some letters share the same legacy archived file path — we show one PDF link for the primary document and list the other actions as metadata (type + date) until per-letter PDFs are re-extracted.
| Date | Docket | Action | Authority | |
|---|---|---|---|---|
| Feb 15, 2012 | MC434429-P | Daily Register | Reinstatement | Daily Register → |
| Jan 28, 2011 | MC434429-P | Reinstatement Letter | Reinstatement | Reinstatement Letter → |
| Apr 11, 2007 | MC434429-P | Reinstatement Letter | Reinstatement | Metadata only |
| Apr 7, 2005 | MC434429-P | Reinstatement Letter | Reinstatement | Metadata only |
| Dec 11, 2003 | MC434429-P | Reinstatement Letter | Reinstatement | Metadata only |
Insurance Coverage Timeline (45 rows)
Every insurance policy on file, newest effective date first. Amber rows mark BIPD/Primary coverage gaps.
| Insurer | Policy # | Type | Limit | Effective | Cancel | Status |
|---|---|---|---|---|---|---|
| Key Risk Insurance Company | BAP2031241-11 | BMC-91X | — | Feb 15, 2021 | On file | ACTIVE |
| KEY RISK INSURANCE COMPANY | BAP2031241-11 | 91X | $1,000,000 | Feb 15, 2021 | On file | ACTIVE |
| XL SPECIALTY INSURANCE COMPANY | AEC0047194 | BIPD/Primary | — | Feb 15, 2016 | Feb 15, 2021 | REPLACED |
| CAROLINA CASUALTY INSURANCE CO. | 5000709 | BIPD/Primary | — | Feb 15, 2015 | Feb 15, 2016 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | 362010 | BIPD/Primary | — | Feb 15, 2014 | Feb 15, 2015 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | 360624 | BIPD/Primary | — | Jan 2, 2014 | Feb 15, 2014 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | 360624 | BIPD/Primary | — | Oct 7, 2013 | Jan 2, 2014 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | 360624 | BIPD/Primary | — | Feb 15, 2013 | Oct 7, 2013 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | 358657 | BIPD/Primary | — | Feb 15, 2012 | Feb 15, 2013 | CANCELLED |
| CAROLINA CASUALTY INSURANCE CO. | CBN355859 | BIPD/Primary | — | Feb 15, 2011 | Feb 15, 2012 | CANCELLED |
| UNITED FINANCIAL CASUALTY COMPANY | CA 6324492 | BIPD/Primary | — | Jan 26, 2011 | Feb 15, 2011 | REPLACED |
| Coverage gap — 12 days without BIPD/Primary coverage from Jan 14, 2011 to Jan 26, 2011 | ||||||
| UNITED FINANCIAL CASUALTY COMPANY | CA 6300075 | BIPD/Primary | — | Nov 15, 2010 | Jan 14, 2011 | CANCELLED |
| PROGRESSIVE CASUALTY INSURANCE COMPANY | CA 6300075 | BIPD/Primary | — | Feb 15, 2008 | Nov 15, 2010 | REPLACED |
| CANAL INSURANCE CO. | PIA0061950 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | May 15, 2007 | CANCELLED |
| CANAL INSURANCE CO. | PIA00619501 | BIPD/Primary | — | Mar 8, 2007 | Mar 8, 2007 | REPLACED |
Compliance Timeline Merged authority / insurance / enforcement events
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Feb 15, 2021insuranceTERM/REPL — XL SPECIALTY INSURANCE COMPANY
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Feb 17, 2016
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Feb 15, 2016insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Feb 17, 2015
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Feb 15, 2015insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Feb 18, 2014
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Feb 15, 2014insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Jan 2, 2014insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Dec 31, 2013
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Oct 7, 2013
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Oct 7, 2013insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Feb 15, 2013
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Feb 15, 2013insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Feb 15, 2012
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Feb 15, 2012insuranceCANCEL — CAROLINA CASUALTY INSURANCE CO.
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Feb 15, 2011insuranceTERM/REPL — UNITED FINANCIAL CASUALTY COMPANY
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Jan 28, 2011
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Jan 24, 2011
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Jan 24, 2011authorityAuthority revoked — INVOLUNTARY REVOCATION
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Jan 14, 2011insuranceCANCEL — UNITED FINANCIAL CASUALTY COMPANY
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Jan 14, 2011insurance gapCoverage gap: 12 days without BIPD/Primary insurance (through Jan 26, 2011)
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Nov 15, 2010insuranceTERM/REPL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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Feb 19, 2008
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Feb 15, 2008insuranceCANCEL — CANAL INSURANCE CO.
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May 15, 2007insuranceTERM/CANCL — CANAL INSURANCE CO.
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Mar 14, 2007
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Mar 14, 2007authorityAuthority revoked — INVOLUNTARY REVOCATION
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Mar 8, 2007insuranceTERM/REPL — CANAL INSURANCE CO.
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Mar 8, 2007insuranceTERM/REPL — CANAL INSURANCE CO.
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Mar 8, 2007insuranceCANCEL — CANAL INSURANCE CO.
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Feb 2, 2007
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Feb 1, 2007insuranceCANCEL — CANAL INSURANCE CO.
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Mar 9, 2006
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Mar 8, 2006insuranceCANCEL — CANAL INSURANCE CO.
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Apr 2, 2005insuranceCANCEL — AMERICAN EMPIRE SURPLUS LINES INSURANCE CO.
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Mar 14, 2005
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Mar 14, 2005authorityAuthority revoked — INVOLUNTARY REVOCATION
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Mar 8, 2005insuranceTERM/REPL — CANAL INSURANCE CO.
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Mar 8, 2005insuranceCANCEL — PROGRESSIVE CASUALTY INSURANCE COMPANY
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Jul 21, 2004
Top Stations & Violation Codes Where this carrier gets inspected and what they get cited for
Most-Inspected Stations
| Station | State | Inspections | OOS |
|---|---|---|---|
| DETROIT AL | AL | 2 | 0 |
| KUTTAWA | KY | 2 | 0 |
| OAK RIDGE TN | TN | 2 | 0 |
| OLIVER SPRINGS TN | TN | 2 | 0 |
| ROADSIDE | TN | 2 | 0 |
| AUGUSTA GA | GA | 1 | 0 |
| I57 | IL | 1 | 0 |
| EDDYVILLE | KY | 1 | 0 |
| PINEVILLE | KY | 1 | 0 |
| ASHEVILLE WEIGH STATION I-40 E | NC | 1 | 0 |
Top Violation Codes Cited
| Code | Description | Category | Cited | OOS |
|---|---|---|---|---|
| 392.2 | Violation of Local Laws | Unsafe Driving | 8 | 0 |
Booking & risk tools
Open dedicated checkers pre-filled with this USDOT — same public filings as the triage card above.
Related Records
All cross-references Authority, BOC-3, risk tools, explainers, and more
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Field change history
History-watch change dates and as-of snapshots
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Kentucky carriers
All carriers based in Kentucky
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Flat Lick carriers
Carriers based in Flat Lick, KY
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Stations in Kentucky
Where this carrier might be inspected
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Docket MC434429
Motor Carrier of Property (Except Household Goods) · ACTIVE · MC
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Key Risk Insurance Company
BMC-91X policy on file
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XL SPECIALTY INSURANCE COMPANY
BIPD/Primary policy on file
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CAROLINA CASUALTY INSURANCE CO.
BIPD/Primary policy on file
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UNITED FINANCIAL CASUALTY COMPANY
BIPD/Primary policy on file
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PROGRESSIVE CASUALTY INSURANCE COMPANY
BIPD/Primary policy on file
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CANAL INSURANCE CO.
BIPD/Primary policy on file
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AMERICAN EMPIRE SURPLUS LINES INSURANCE CO.
BIPD/Excess policy on file
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UNITED NATIONAL INSURANCE COMPANY
BIPD/Excess policy on file
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AllAmerican Agents of Process
BOC-3 process agent · 108,678 carriers served
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29 inspections
Full roadside inspection history
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10 reportable crashes
FMCSA MCMIS crash log
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Fleet recall search
NHTSA recalls covering this fleet's vehicle years/makes
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File a complaint
Open the FMCSA National Consumer Complaint form for this carrier
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Certificate lookup
Look up any FMCSA authority by MC/MX/FF docket number
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All state carrier directories
Browse carriers in every US/CA/MX jurisdiction
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Insurance-lapse watch
Carriers with recent BMC-91 cancellation or reinstatement churn
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How FMCSA safety ratings work
BASIC percentiles and compliance review context
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BOC-3 process agents explained
Why every interstate carrier must file a process agent
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FMCSA compliance filings guide
MCS-150, insurance, and authority filing requirements
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Roadside inspection rights
What drivers and carriers can expect during a stop
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Book / don't book
PASS / CAUTION / REJECT triage from public filings.
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Insurance check
BIPD gaps, cargo filings, and lapse-watch tier.
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Cancel desk
Pending L&I cancellations and coverage gaps.
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Chameleon check
Heuristic cluster peers from public census fields.
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Safety benchmark
Driver/vehicle OOS rates vs similar fleet-size peers.