Commercial Insurance Telematics

Improve Driver Rating & Pricing, Be Profitable, and Strengthen Relationships with Fleet Clients

Reimagine and grow your commercial insurance organization with the industry’s leading commercial usage-based insurance solution.

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Why Shift to Commercial Insurance Telematics?

Commercial lines insurers are quickly adopting insurance telematics in order to fully realize the benefits telematics offers and restore profitability over more traditional models that have been delivering poor underwriting results. Due to adverse loss frequency and severity trends, including those caused by distracted driving, combined ratios for commercial insurers have risen to over 100%. In fact, the commercial auto underwriting losses grew from $744.8 million to slightly over $2.9 billion in 2016 (a 4x increase). In order for insurers to stay profitable, steep rates increases have become inevitable, much to the dissatisfaction of their fleet customers. In turn, in order to afford commercial premiums, fleets are playing with the numbers, such as insuring with larger deductibles and distributing risk and cost across a wider safety net to achieve a better cost.


IMS Commercial Usage-Based Insurance Solution

IMS Commercial Usage-Based Insurance (CUBI) provides commercial lines insurers with the industry’s most comprehensive solution satisfying the needs of the insurer, fleet manager, and fleet driver alike. Commercial insurers finally have the proper tools to engage, retain, and assess fleet risk for improved pricing and rating and to help ensure a profitable book of business. Fleet managers have the ability to improve fleet driver behavior and realize cost savings at every stop along the way – all while paying the commercial premiums most accurately associated with their fleet risk. In turn, fleet drivers get regular real-time feedback and insights to continuously improve driving behavior and, appraise, and reward performance and safety.

IMS CUBI provides insurers with the ability to improve profits by encouraging safe and distraction-free driving behaviors. Studies conducted in the United States show a 20% reduction in fleet accidents when telematics monitoring is in place. In Europe, this number climbs to 28%!


Optimize the performance, safety and cost of your fleet customers.

*IMS Business Center – For Insurers

Data Feeds, Scoring and Analytics

Assess risk and price commercial fleet premiums accordingly (including Commercial Usage-Based Insurance). Improve insurance processes by using actionable data as inputs to improve risk and underwriting practices.

Future Proofed Technology

Powered by the IMS DriveSync® platform opening doors to additional value-added features, services and programs for your organization’s future needs.

Full Access to IMS Business Center

Equip your program teams with administrative data necessary to help better manage users, inform decision-making, and provide insights for measuring program and customer success.



*IMS CUBI Portal – For Fleet Organizations

Flexible Data Collection Options

Using the industry’s leading data agnostic platform capable of working with any option, from smartphone apps, aftermarket hardware, and existing third-party fleet telematics devices.

Fleet Behavior Portal

Complete insights into fleet driving behavior to help reduce accidents and costly claims while avoiding risky behaviors that result in unsafe vehicle operation – while also lowering insurance costs.

Coaching and Feedback for Fleet Drivers

Provide driver coaching, insights, and feedback to encourage safer driving. Add rewards and incentives to encourage long-term safer driving practices.

Full Fleet Driving Behavior Insight

Increase operational efficiency and performance by reducing claim costs through data insight and driving behavior feedback. This encourages safer driving practices, minimalizes claims, and ensures a safer operating fleet on the road.

IMS Commercial Usage-Based Insurance Component

IMS Commercial Usage-Based Insurance, powered by IMS DriveSync, provides everything insurers need to manage and administer a successful commercial insurance telematics, and includes a fleet behavioral portal for fleet owners.


Benefits for Insurers:

Reduce claim costs

Improve rating and pricing

Encourage safer fleet driving behavior

Scoring and Rating

Flexibility is key to a smooth big data and analytics journey. IMS CUBI offers full flexibility in scoring and rating to precisely assess risk for each policyholder and encourage safe driving.

The right scoring and rating for your business:

  • Flexible Options: Create a scoring and rating model leveraging any of three methods:
  • Unique Rating Systems: Create differentiation through a unique scoring system.
  • Expanded Scores: Leverage a selection of scoring variables for your algorithms.
  • Scoring UX: Displays scoring and events in an easy-to-understand experience for policyholders.