Commercial auto insurance is entering a transformation—one driven not by traditional underwriting, but by real-time driving data, safety analytics, and connected fleet technology. For brokers, 2026 will mark a major turning point as more carriers adopt telematics-based underwriting models and require deeper safety insights from insured fleets.
Brokers who understand these shifts will be equipped to retain accounts, improve placement success, reduce losses, and win new business—especially among small commercial fleets that need help navigating rising premiums.
This guide breaks down what’s changing, what’s trending, and how brokers can use telematics to deliver more value than ever before.
Loss ratios in commercial auto have been climbing for years,driven by:
At the same time, telematics and dash camera data have proven to reduce claims frequency and severity by giving fleets tools to improve behavior before losses happen.
Carriers are taking notice. In 2026, we expect:
For brokers, telematics is no longer optional knowledge—it’s a competitive necessity.
Underwriters increasingly want insights like:
These insights allow carriers to price risk more accurately and improve their portfolio performance. Fleets with good driver behavior data often see better pricing, faster approvals, and fewer surprises at renewal.
Brokers who proactively bring telematics data into the renewal process will have a clear advantage.
In 2026, fleets without telematics or dash cams will increasingly be seen as blind-spot risks.
Carriers know:
Without telematics, fleets will struggle to defend themselves after a claim, and insurers will price the uncertainty accordingly.
Brokers who guide clients toward telematics early in the cycle can prevent premium shock later.
Dash cameras are quickly becoming the new seat belt of fleet insurance.
Why? Because:
In 2026, brokers will increasingly see carriers asking: “Does the fleet have dash cameras? If not, why not?”
Brokers who help clients adopt video early will dramatically improve claims outcomes.
Telematics data alone is not enough. Carriers want to know what fleets do with the data.
This is where programs like Safety IQ, driver score cards, MVR monitoring, and monthly coaching reports become essential.
Carriers increasingly prefer:
Brokers who provide these tools, or partner with a platform that does, will help underwriters feel confident about the account.
The biggest opportunity in 2026?
Brokers can elevate their role from “policy provider” to strategic risk advisor.
With telematics data, brokers can:
This transforms the renewal conversation from reactive to proactive.
1. Start Asking Clients About Their Telematics Capabilities
What systems are they using?
Do they have dash cams?
Are they reviewing driver behavior?
2. Help Clients Package Their Data for Underwriters
Underwriters want clarity—not spreadsheets full of raw data.
3. Encourage Clients to Adopt Dash Cams Before Renewal
It minimizes claims, protects drivers, and improves underwriting results.
4. Offer a Value-Added Safety Review
Position yourself as a consultant, not just a quote provider.
5. Partner With a Telematics Risk Platform (Like Ensure Analytics)
Ensure Analytics makes this easy by providing:
This elevates the broker’s ability to advocate for the account and secure better pricing.
At Ensure Analytics, we specialize in turning complex telematics data into underwriter-ready insights that help brokers:
Our programs integrate telematics, safety coaching,scorecards, AI dash cameras, and insurance analytics into one powerful platform designed for brokers and their insureds.
Brokers who leverage Ensure Analytics build stronger relationships, retain more accounts, and differentiate themselves in a crowded market.
Telematics isn’t the future anymore—it’s the present, and it’s shaping how commercial auto insurance will be priced, underwritten, and serviced in 2026 and beyond.
Brokers who embrace this shift will deliver more value,reduce risk for their clients, and position themselves as leaders in a rapidly changing industry.
Ensure Analytics helps brokers turn driving data into better underwriting outcomes, safer fleets, and stronger renewals.
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