Reconstruct the risk
- Vehicle, driver, and ownership schedules
- DOT authority or rental operating model
- Radius, cargo, territory, and vehicle use
- Current coverage and loss history
AI-native brokerage
Your fleet's data. A stronger case for better-priced insurance. We turn your operating data into evidence that helps insurers understand your risk and consider lower premiums.
Start 24/7. Human support daily.
Small fleets. Big possibilities.
Start here to insure your fleet. Take your business to the moon.
- Built from experience
- A 30-vehicle fleet
- Fleet specialties
- Independent rental fleets
- What we do
- Licensed brokerage + AI workflow
Small fleets. Big possibilities.
One account, always current
- Connect
- Submit
- Service
- Renew
- Support a loss
Licensed brokerage + AI workflowPrepare a complete submission
Built with fleet owners & specialist brokers.
Broker partnerArcadiaInsurance Agency
Broker partner
Insurance partnerKoopRobotics & autonomous vehicles
Built from experience30 vehiclesOur founder-operated rental fleet
Current pilot activity20+ fleet ownersIn active intake
Applications reviewed on a rolling basis.
01 / The problem
Fleet insurance still runs on reconstruction.
A small account can require the same schedules, loss runs, applications, operating details, and follow-up as a much larger fleet. Owners rebuild the operation for placement, then rebuild it again at renewal or after a loss.
Our customer discovery
Insights from conversations with fleet owners and brokers
Small fleets. Full-size paperwork.
Collecting records, checking details, and chasing missing information take time away from serving the fleet.
Source: Indem founder-led interviews and outreach.
Reconstruct every change
- Vehicle and driver additions
- Certificates, filings, and endorsements
- Trip, rental, repair, and loss evidence
- Emails, portals, and carrier follow-ups
02 / The product
A commercial auto brokerage built for rental fleets.
A licensed insurance broker works on your case from start to finish, including recommendations, quotes, placement, and binding. Indem's AI works quietly in the background to reduce paperwork, prevent delays, and keep the process moving.
- 01
Tell us how your fleet operates
Share vehicle and rental records, mileage, maintenance, current coverage, and loss history. We identify what is available and what is missing.
- 02
Prepare a complete submission
AI helps organize your records into a source-linked Risk Passport. Broker review checks gaps and conflicting details before underwriting.
- 03
Work with available insurance markets
Licensed professionals review available options and handle recommendations, quoting, placement, and binding.
- 04
Service and renew the account
Carry vehicle changes, new operating evidence, and carrier feedback forward so the next submission builds on the last.
Illustrative fleet account
Vehicle UW-014Vehicle stateReady
Records18 linked
Open items2
Submission queueCurrent
Vehicle schedule14 records verifiedReady
Loss historyTwo details requestedReview
Market submissionLicensed approval requiredQueued
The data advantage
Your fleet's data. A stronger case for better-priced insurance.
We turn your operating data into evidence that helps insurers understand your risk and consider lower premiums. With your permission, we collect the records that show how your fleet is actually run.
Collect the operating record
Vehicle schedules, rental dates and status, mileage, maintenance, and loss history where available. Missing records stay marked as missing.
Build a source-linked Risk Passport
AI helps structure the records. Broker review keeps corrections, conflicting values, and evidence gaps visible. No record is not the same as no loss.
Make the case to underwriters
Documented controls and operating history give brokers evidence to use when seeking better coverage, terms, and pricing. Insurers still assess the risk and set the premium.
A history public data cannot recreate.
We are building a compounding data advantage: operating evidence linked to broker corrections, carrier feedback, and quote, claim, and renewal outcomes as they become available. Public datasets add context; the account-specific history comes from real operations and insurance work.
Pricing and availability remain subject to underwriting. Savings are not guaranteed.
DOT trucking
Built around the records motor carriers already manage.
Indem organizes operating authority, vehicle and driver schedules, loss runs, current coverage, cargo, and radius details before a licensed broker approaches available markets.
03 / Continuity
Keep the account ready between renewals.
Trucks and rental vehicles move through driver changes, trips, maintenance, certificates, repairs, and losses. Indem preserves those changes so the next request does not begin with a blank folder.
Structured intake from the records each fleet already has
Persistent carrier, policy, and repair follow-up
Licensed review for regulated actions
04 / Customer outcome
Coverage placed, serviced, and renewed.
The exact program depends on the fleet, state, authority, cargo or rental activity, usage, history, and carrier appetite. Indem coordinates available coverage without promising a price or policy before underwriting.
Commercial auto
Liability and physical-damage placement structured around how the vehicles are actually used.
Trucking coverages
Available cargo, trailer, non-trucking, and related options reviewed by licensed professionals.
Account service
Vehicle changes, certificates, evidence requests, and open requirements kept in one workflow.
Renewal and loss support
Current records organized for renewal, carriers, and appropriately licensed claims professionals.
A narrow wedge in a large economy
Start with trucking and vehicle rental. Build for commercial auto.
Indem starts with two fragmented fleet classes where specialist knowledge and complete operating records matter: DOT motor carriers and independent vehicle-rental businesses.
- 30
- Vehicles in the first design environment
- 710K
- FMCSA-regulated carriers with 10 or fewer power units in 2023
- 9,548
- U.S. passenger-car rental employer establishments
Sources: FMCSA 2024 Pocket Guide, U.S. Census Bureau.
Initial operating class
DOT motor carriers and independent rental businesses.
From first vehicle to fleet scale.
We begin with owner-operators and small fleets managing insurance, compliance, repairs, and claims without an internal risk team.
Motor carriers operating under DOT authority
Owner-operators and growing trucking fleets
Independent and mixed-channel rental fleets
Vehicles, drivers, loss runs, and operating records
Start by applying for the pilot.
Start your insurance request 24/7. Tell us about your fleet in about two minutes. Daily support, typically within 5 minutes when online.
Applications welcome from every U.S. stateCoverage availability varies by state, carrier appetite, and licensed partner authority.
Have VINs, policy documents, or driver's-license records ready? Start here, and we will contact you with a secure way to share them.