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Corgi and Trucker Path test route-planning data for trucking underwriting
The program is aimed at small fleets, using pre-trip routing choices to shape underwriting instead of after-the-fact loss run data.
Commercial truck insurance pricing has risen even as crash rates involving trucks have fallen, highlighting how underwriting remains challenged. In 2025, premiums reached a record 10.6 cents per mile, and the cost increase ran 1.2 percentage points ahead of consumer inflation, according to Insurance Business citing ATRI data.
Small fleets, defined as running fewer than 10 trucks, have had fewer ways to prove their risk quality to insurers, Insurance Business reports. Traditional data-driven underwriting has often relied on hardware tools smaller operators cannot afford, leaving them with limited options.
Corgi Insurance and Trucker Path Insurance, both based in Phoenix, are now testing a different approach, built around navigation and route-planning data. Insurance Business says the trucking insurance program uses underwriting inputs drawn from drivers' pre-trip routing decisions made in the Trucker Path app, which routes drivers around severe weather, cargo theft corridors, sharp turns, lane restrictions, and road closures.
The coverage line includes auto liability, motor truck cargo, physical damage, and general liability, with Trucker Path Insurance serving as agent of record and participation described as opt-in and driver-controlled, Insurance Business reports. The article also notes that cargo theft has been a steady loss driver, with Verisk CargoNet recording 3,798 cargo theft incidents in 2024, up 26% from 2023, while underwriting performance has remained unprofitable for years, with net losses of $4.9 billion in 2024 and $2.2 billion in 2025.