Transportation Insurance Audit Specialist

Transportation Insurance Audit Specialist


Location: Hybrid (U.S.) • Team: Risk Management / Loss Control • Type: Contract/Consulting

Why this role


Commercial auto is in a high-severity cycle with rising litigation exposure and heightened underwriting discipline. We're doubling down on evidence-based audits that blend field assessments with real-time fleet data (ELD, AI video telematics, ADAS, maintenance & routing data) to improve selection, pricing, and loss performance. If you thrive at the intersection of safety engineering, analytics, and underwriting, we'd love to meet you.

What you'll do

• Conduct end-to-end transportation risk audits for motor carriers, last-mile, vocational fleets, and mixed equipment (tractors, box trucks, service vans, specialty rigs).
• Ingest & analyze operational data: ELD/HOS, GPS, ignition data, harsh-event trends, near-misses, route risk, CSA/SMS history, inspection & crash timelines, and MVR sampling. (FMCSA SMS and BASICs provide core performance signals used for carrier prioritization.
• Evaluate compliance & fatigue risk leveraging ELD datasets and exception logic (short-haul, yard-move, personal conveyance, exemptions) and RODS integrity. (ELDs sync to the engine to auto-record driving time/HOS; rule applicability and exceptions per FMCSA.
• Review safety technology posture: forward/inward AI dash cams, driver-monitoring alerts, ADAS, speed governors, seat-belt interlocks, and event-based coaching workflows. (AI video telematics is linked with crash prevention, exoneration, and insurance savings in industry studies.
• Perform desktop risk profiling using CAB and allied sources to triangulate safety, financial, and operational indicators before on-site work. (CAB reports consolidate safety/ops data used by brokers and underwriters.
• On-site facility audits: DOT files, DQF completeness, driver hiring/qualification, training cadence, corrective action logs, DVIRs/PM schedules, parts inventory, OEM recalls, and shop practices.
• Route & exposure mapping: typical lanes, freight class, night/urban density, weather corridors, hazmat/placardable exposure, and third-party venue severity factors.
• Litigation & severity controls: evaluate post-crash response, preservation of evidence, claims reporting, counsel selection, and social-inflation countermeasures; recommend governance and documentation upgrades. (Nuclear verdicts->$10M-have increased in size and frequency, elevating casualty risk.
• Produce audit reports with loss-driver prioritization, risk scoring, suggested coverage structures, and a 90-day improvement plan aligned to underwriting appetites.
• Partner with underwriting & brokers pre- and post-bind to align pricing credits, risk warranties, service plans, and performance guarantees; track outcomes quarterly.

What you'll deliver (first 90 days)

• A standardized Transportation Risk Audit Playbook (field + desktop).
• A data dictionary mapping telematics/ELD/video fields to risk factors and KPIs.
• A portfolio of corrective-action plans with measurable ROI (frequency & severity).
• A scorecard framework used in selection, pricing credits, and stewardship reviews.

Tools & data you'll use

• Regulatory & public data: FMCSA SMS/BASICs, inspection & crash histories. (Methodology updates drive prioritization logic for carriers and risk focus.
• Telematics & vehicle data: ELD/HOS feeds, GPS, CAN bus, ADAS event logs, AI dash-cam incident clips and coaching outcomes. (Benefits include fewer crashes, exoneration, and premium control.
• Risk intel platforms: CAB reports and equivalent carrier analytics.