Trucking excess is auto-driven: the price turns on the fleet, the drivers, the radius, and a loss picture dominated by auto claims. The submission looks different from a construction account — a vehicle schedule instead of a WIP workbook, a driver roster, an auto-heavy loss run. We ran a real motor-carrier packet, Ironline Freight Systems, through InsightXtract; every result below is an actual output.
The packet & classification
Five files, routed to their document types:
The fleet exposure workbook
The heart of a trucking submission. InsightXtract reads each sheet into a typed schedule — vehicle body types, license states and WC class codes normalized against glossaries. Sample of the vehicle schedule:
| Unit # | Year | Make / Model | Type | Garaged | Cost New |
|---|---|---|---|---|---|
| U-2103 | 2023 | Freightliner Cascadia | Tractor vehicle_body_types | Kansas City, MO us_state_codes | $152,000 |
| U-2118 | 2021 | Wabash DuraPlate 53' | Trailer | Dallas, TX | $48,000 |
| … automobile 120 rows · driver_list 90 · workers_compensation 42 · location_list (terminals) 12 | |||||
Header exposures fall out of deterministic derived rules over those rows — the numbers an underwriter rates on:
Vehicle-type split (tractor / trailer / straight truck) comes free from a group_by rule — the mix that drives auto rating.
The loss run — auto-driven
For a carrier, the loss run is the story. InsightXtract extracts every claim (coverage line, status and cause normalized) and rolls up incurred by line. This account’s 5-year, currently-valued picture:
Roughly 71% of incurred is auto — exactly what you’d expect and now quantified, tied to claim rows and a 10/01/2026 valuation date loss run p.1. (Note: a 31-claim table like this is where extraction JSON can truncate; the pipeline runs at a 64K output budget and retries with escalation, so the full table comes through.)
The tower
The schedule of underlying gives the attachment picture — primary Auto/GL/WC and the lead umbrella the excess sits over, coverage lines and admitted/E&S status normalized:
| Coverage | Carrier | Per Occ. | Status |
|---|---|---|---|
| Automobile Liability coverage_lines | Great West Casualty | $1,000,000 CSL | admitted admitted_vs_surplus |
| Lead Umbrella | Northland Insurance | $10,000,000 | surplus lines |
| … 5 underlying policies; requested tower $10M / $25M / $50M | |||
One coded motor-carrier record
Consolidated: fleet counts, driver count, WC payroll, auto-weighted losses, and the underlying tower — every value cited, every code normalized, every total deterministic. The same agent that reads a construction account reads this one; only the document types and glossaries do the industry work.
Any casualty class, one agent
Construction, trucking, habitational, manufacturing — configurable document types and glossaries, not per-account code. See the end-to-end walkthrough →