Twenty-five years of combined experience running a trucking fleet and a transportation insurance agency — one firm built to work only for the trucking company.
We've run a large-scale trucking operation — met payroll, kept trucks moving, and lived with whatever the insurance renewal handed us each year. We've owned and operated a transportation insurance agency, and spent years placing and servicing hundreds of trucking accounts. We've seen the renewal process from every side of the desk: the broker's submission, the underwriter's inbox, the compensation nobody discloses unless asked. And we've watched good operators lose leverage the same way, year after year, because nobody was retained to prevent it.
Nobody in a typical renewal is paid to work only for the trucking company — that's the gap we exist to close. We represent your interests alone, not the broker's or the insurance company's commission and profit.
We started this firm because the broker earns commission on the premium, and the carrier earns the premium. Neither is wrong for it. Neither answers only to the operator paying for the coverage. Clear Risk Advisors does.
We've run the fleets, built the submissions, priced the markets, negotiated with underwriters, and pre-underwritten accounts the way a carrier actually reads them — not the way a sales sheet describes them. That's the work most fleets never see done on their behalf.
We think a trucking fleet's insurance renewal should run like any other major purchase — on a schedule, with real competition, and with full visibility into who's being paid what. That means:
Our principals hold active California and multi-state property and casualty insurance licenses. Clear Risk Advisors, the firm, does not sell or place insurance.