When a story like this hits, most insurance carriers do not change their rules overnight. But it does reinforce trends we already see in underwriting files.
Underwriters look closely at:
- How many CLP or sub-2-year CDL drivers you run
- Whether they are on hazmat, liquid bulk, heavy haul, or other higher-severity segments
- Whether you have written training and supervision procedures, not just verbal habits
If you want better terms at renewal, be ready to show more than just a clean loss run. Pull these together before your agent shops the market:
- Written training and ride-along policy, especially for CLP and under-24-month drivers
- Driver qualification files with road tests and training completion records
- Any internal restrictions you use for new drivers on hazmat or other higher-risk loads
The more you can demonstrate that you do not leave new drivers alone in complex or hazardous situations, the easier it is for an underwriter to say yes to your account.