Frequently Asked Questions

CHIP (Carrier Health Intelligence Platform) is our all-in-one trucking insurance platform. It combines carrier search across 2.1M+ interstate and intrastate carriers, DOT auto-fill with FEIN, AI loss run parsing, 16+ PDF application templates, smart market matching with submission optimization, a full CRM, and premium pipeline tracking — all from a single login.

They've been unified under the CHIP Platform. Everything that was in Submission Pro (application management, PDF export, market matching, CRM) and LeadsPro (carrier search, new venture leads) is still there — now accessible from one platform with one login. No features were removed; we just brought everything together.

Upload a loss run PDF and AI extracts structured loss data by line of business — incurred losses, claim counts, and policy periods. You review the parsed results, choose to merge with existing data or replace it, and apply with one click.

Over 2.1 million carriers from FMCSA — both interstate and intrastate. Data includes company info, fleet size, cargo types, officers, FEIN, safety data, all 7 BASIC percentiles, estimated ISS scores, and CHIP risk tiers. Census and safety data is updated daily.

The CHIP Score is a proprietary risk rating that predicts insurance loss outcomes with a 134-point loss ratio spread between best and worst tiers. It combines all 7 BASIC categories, inspection history, crash data, and estimated ISS scores into one actionable metric. Learn more about the CHIP Score.

Yes. All data is encrypted in transit (TLS/HTTPS) and at rest with full-disk encryption. Hosted in secure, redundant data centers with built-in disaster recovery protocols. All of your data is protected for your use only. We will not use any of your data for any competitive purpose or to our benefit, other than as needed to provide and improve the services. See our terms of service for details.

Our scoring engine evaluates every available market against your application based on state, operation type, fleet size, coverage lines, years in business, and CHIP tier. Markets are ranked by fit with disqualifiers flagged. The Optimize Submissions feature then analyzes your selected carriers and finds the most efficient MGA paths — minimizing overlap so the first agent in always wins.

Plans start at $99/month for solo producers (Starter, 1–2 seats) and go up to $1,500/month for unlimited enterprise teams. Every plan includes full platform access — carrier search, applications, market matching, AI loss runs, CRM, and dashboard. No per-lead fees. No hidden costs. Annual billing saves up to 17%. See pricing details.

Yes! Contact us at info@insuranceapps.com or call 423-464-6512 to schedule a demo. We'll walk you through the full platform and answer any questions.