Manage Risk.
Prevent Claims.
Lower Premium.
We’re a 21st-century insurance brokerage founded by fleet operators for fleet operators.
We exist to save operators time managing risk and money on commercial auto insurance.
We do it by making it easy for you to adopt the risk management practices used by tier-1 operators.
How? By giving you access to our free Mobility Risk Management Platform.
Then we help you find better rates at renewal.
How does it work?
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Take Nivel Risk Quiz
See how you stack up to tier-1 operators
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Use Free Platform
Use our platform to easily adopt tier-1 risk practices
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Find Better Coverage
One-click and we re-shop our market with your new story
6 features help you adopt the risk management practices used by tier-1 operators
Driver Screening
Instantly surface risky hires by scanning interview transcripts and application answers for “red-flag” language or patterns.
See a clear risk score and recommended next steps.
MVR Monitoring
Pulls Motor Vehicle Records periodically and flags new violations, suspensions, or license changes.
Sends immediate alerts so you can act before the next incident.
Accident Intake
Chat-first accident intake that collects photos, voice notes, and location in minutes.
Routes incidents to dispatch, Nivel Risk coaches, and insurer claims teams with one click, keeping everyone aligned.
Claim Decision Assistant
Clear, data-backed guidance on whether to pay a small claim
in-house or report to your insurer.
Summarize photos, telematics, driver statement and choose the option that minimizes long-term premium impact.
Post-Accident Investigation
Run a consistent root-cause investigation after every event
so mistakes don’t repeat.
Step-by-step investigation templates yield a carrier-ready report with corrective action steps.
Loss-Run & Claims Advocacy
Automated review of all open, closed, and pending claims, making it easy to challenge inflated third-party claims.
Builds an appeal package supported by video, telematics, and statements for adjuster review.
How do we make money?
Commission.
We only make money at renewal if we help you find better coverage through our underwriter market.
No software fees.
Your data stays private until you click the button that permits us to share it with our market.
Why do we care so much?
Because we’ve been in your shoes: we’ve operated fleets, delivered packages, and helped people get where they need to go.
And we have years of experience with traditional, transactional insurance brokers who promise lower rates, don’t do anything to help you, and watch you sit powerless with a rate hike at renewal time.
That’s why we founded Nivel Risk—a 21st-century brokerage that combines real commercial transportation experience with cutting-edge tech. We've disputed claims, fought rate increases, and got tired of getting blindsided and feeling powerless at renewal time.
Now we’re here to obsess over the risks to your business, help you mitigate them, and fight like hell for you to earn lower rates.
What Mobility Operators Like You Say
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“Nivel helped us uncover risks to our business and kept us focused on better practices, so we were able to cut claims, boost telematics scores, and save over $30,000 on our renewal—while keeping pace with our deliveries.”
Last-Mile Fleet Operator
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“Never understood why brokers make so much commission for just selling a policy. What I really want is a broker who is actually on my side and helps me lower my premiums.”
Ride-hail/Black Car Fleet Operator
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“I’m already paying close to $1,000 a month just to get visibility into my claims data. Finding a broker that could actually give me that kind of insight as part of their service makes switching a no brainer."
Last-Mile Fleet Operator
FAQs
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Most brokers promise savings just by shopping your policy around. The truth is, almost all brokers have access to the same insurance companies. The real way to lower premiums is to earn it—by running your fleet like a tier-1 operator.
That’s where Nivel Risk comes in. Our AI-powered platform makes this simple at no extra cost:
Manage driver risk by flagging risky hires early and coaching drivers to prevent future incidents.
Streamline claims by capturing statements, photos, and video in real time, helping you decide when to pay or pass to your carrier, and ensuring reserves match true costs.
The result: you save time and money managing risk, while presenting a clear, data-backed tier-1 operator story that can earn real rate reductions at renewal.
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Fleets can get insurance in different ways—through a traditional insurance company, a Managing General Agent (MGA), a group captive that pools risk, or even a single-parent captive for full control. At Nivel Risk, we bring all of the insurance partners that make these options possible together in one place, which we call our Underwriter Market.
What makes us different is how easy we make it to access this market. Once our platform understands your business through your risk data, you can reach underwriters with a click of a button. And because these partners know Nivel Risk fleets follow tier-1 risk management standards, you get stronger options than you would with another broker.
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Again, no software fees!
We want to use software to help you standardize tier-1 operator best practices, add more value than any other broker can, and earn your trust so we preserve a long-standing relationship as your broker of record.
We earn an average 10% commission on annual premium. We also share in any contingency bonus the carrier pays for helping you lower claims, so our incentives stay aligned with yours. -
You’ll see results right away. By automating tasks like screening new hires, collecting incident statements, and reviewing claims data, our platform can save you 8–10 hours a week from day one.
When you also choose Nivel as your broker of record, we’ll meet with you to learn more and potentially recommend other improvements more tailored to your specific business, further helping you adopt tier-1 risk management practices. That positions you to not only save time immediately but also strengthen your case for rate reductions at renewal.
