DriveSmart: Proactive Risk Management for Safer Fleets
DriveSmart connects approved driving data, coaching, and underwriting context to help identify changing fleet risk and respond with the right level of action. Customers can connect an approved existing ELD or camera, or choose an available camera option through Cover Whale.
Connected evidence for risk that keeps changing
DriveSmart extends risk management beyond bind. It helps safer operators build a verified record, gives brokers clearer context, and gives risk partners a disciplined path from evidence to review and approved action.
Detect current evidence
Connected fleet and driving evidence helps surface changes that a point-in-time underwriting review can miss.
Route the right next step
Verified findings can prompt coaching, outreach, underwriting review, or an approved policy workflow.
Protect the relationship and the book
Current evidence and customer context support safer fleets, clearer broker communication, and disciplined underwriting.
Performance snapshot
Ongoing underwriting context
Connected evidence is evaluated throughout the policy lifecycle, with cadence and next steps determined by the source and workflow.
Ongoing
evidence checks across the policy lifecycle
Multi-source
approved device and driving evidence
Human-gated
consequential insurance action
Clear feedback. Accountable improvement.
DriveSmart is designed to make risk visible and give drivers a practical path to improve. Detected patterns can lead to coaching, while verified material issues follow the appropriate policy process.
That balance matters: support safe operators, give fleets a chance to provide context, and preserve underwriting discipline when risk does not improve.
How DriveSmart Works
Camera Options
DriveSmart can use approved devices customers already have. Cover Whale also offers camera options, including dual-facing cameras. A dual-facing camera is not required.
Telematics & ELD Data
Approved connections share vehicle and driving evidence used throughout the policy lifecycle.
Driver Safety Coaching
Detected speeding and hard-braking patterns can prompt coaching by email, text, or phone.
Evidence-Based Risk Analysis
Models and rules help surface patterns for review, outreach, and an appropriate next step.
Benefits for Drivers
Safer operators should be able to demonstrate their performance. DriveSmart creates a connected record that can support coaching, underwriting review, and eligible renewal savings.
- Practical coaching based on detected driving behavior
- Potential renewal savings for eligible safer performance
- A verified record of safer driving performance
- Help identifying risky habits before they become repeat patterns
- No surprises—transparent feedback helps you improve continuously
Verified safer performance may support renewal savings, subject to eligibility.
Support for Fleet Safety
Connected evidence and clear outreach help fleets understand what needs attention and give risk partners current context throughout the policy term.
Safety Outreach
Relevant driving patterns can trigger clear feedback and a practical path to improve.
Verified Performance
Driving evidence helps distinguish healthier performance from patterns that need attention.
Policy Alignment
Current operating evidence can help keep fleet details and pricing aligned over the policy term.
Evidence and Context
Connected data, customer input, and policy context inform the appropriate next step.
A Disciplined Safety Program
Connected evidence
Approved existing devices and camera options
Driver coaching
Clear outreach based on detected behavior
Governed action
Evidence-based insurance workflows