Who Uses CHIP?
From underwriters to freight brokers, CHIP delivers the context that turns data into decisions. Here's how different roles use CHIP to see what ISS and BASIC Alerts miss.
Two Sides of the Same Problem
If You're an Underwriter
You're drowning in submissions. ISS PASS doesn't mean "good risk"—it means "not flagged for inspection." You need to differentiate within that PASS population. You need to know: Is this a profitable account or a ticking time bomb?
CHIP gives you a second signal. A 52nd percentile carrier with ISS 96 is a different conversation than an 85th percentile carrier with ISS 96. Our validation study showed 134pt loss ratio spread vs. ISS's 54pt.
If You're an Agent
You're tired of proving good carriers worthy. You're tired of documentation packages that take hours to assemble. You're tired of "well, it isn't working." You need underwriters to say yes instead of maybe.
CHIP gives you evidence. Not narratives—data. Peer percentiles. Violation severity. Venue exposure. The context that lets underwriters say yes faster instead of requesting more information.
"Three accounts with 0 BASIC Alerts and ISS PASS generated $450K in losses on $547K premium—82% loss ratio. CHIP flagged these as MODERATE risk."— From the CHIP Validation Study
CHIP Across the Transportation Ecosystem
Freight Brokers & 3PLs
Know which carriers pose venue risk before they're hauling your customer's freight through nuclear verdict counties. CHIP's litigation factor flags geographic exposure that SAFER doesn't show.
Shippers & Private Fleets
CHIP flags chameleon carriers, authority issues, and reincarnation patterns. When a carrier has a prior revocation, you'll know—along with the original DOT number.
Factoring Companies
A carrier with 3 trucks and an 85th percentile CHIP score is a different risk than one at 15th percentile. Add safety intelligence to your credit decisioning.
TMS & Fleet Management
CHIP API delivers real-time scoring for carrier onboarding, ongoing monitoring, and automated decisioning. Millisecond response times, enterprise reliability.
MGA / Wholesalers
Score incoming submissions instantly. Route PREFERRED and STANDARD tiers to fast-track, flag HIGH and CRITICAL for additional review or decline.
Loss Control & Claims
BASIC Recovery Forecasts predict which carriers are improving vs. deteriorating. Focus loss control resources where they'll have the most impact.
CHIP vs. Traditional Methods
Move beyond raw data to actionable intelligence
Ready to See CHIP in Action?
Enter any DOT number and get a full CHIP report. First one's free.