Insurance verification & enrollment
Stage 1 · Driver Recruitment & Compliance
P1Initial MVP
Four-Lane View
Software Function
- ›Live policy verification via insurer-of-record APIs (Axle-style) — no COI PDFs Requirement matrix by role: own-authority ($1M AL/$100K cargo) vs lease-on (NTL/bobtail + phys dam) vs drayage (UIIA endorsements) Continuous monitoring with lapse webhooks Embedded marketplace: group-rate occ/acc + downtime coverage
Service Provider / Admin
- ›Exception queue only for lapses and non-standard policies Additional-insured / UIIE-1 endorsement tracking Loss-run collection for renewals
User — Driver / IOO
- ›Uploads nothing if their insurer connects — verification in seconds Lapse warnings go to the driver first, with fix-it paths, before dispatch is blocked Optional group-rate coverage at enrollment (cheaper than solo)
Logistics Company — FreightShift
- ›No silent coverage gaps in the fleet: continuous source-verification protects FreightShift from FREIGHTSHIFT vicarious-liability exposure Fleet-wide coverage posture visible at all times — the risk report insurance partners and the future working-capital lender will ask for
Software Function
- ›Live policy verification via insurer-of-record APIs (Axle-style) — no COI PDFs Requirement matrix by role: own-authority ($1M AL/$100K cargo) vs lease-on (NTL/bobtail + phys dam) vs drayage (UIIA endorsements) Continuous monitoring with lapse webhooks Embedded marketplace: group-rate occ/acc + downtime coverage
Competitors
Openforce (insurance enrollment bundled, fee-funded), RMIS/MCP (monitoring), Axle (API rails — partner candidate)
Differentiation
RMIS monitors documents. Openforce charges drivers 1.3% for insurance. We verify at the source in real time and make coverage a benefit, not a deduction.
Make It Better
First platform where insurance verification is instant, continuous, and free to the driver — and a group- buy makes joining FreightShift cheaper than staying independent.