Insurance is essentially a risk-sharing mechanism, where losses incurred by a few are spread out among many. At CDL Benefits Group, we meticulously select the companies we insure. By analyzing factors such as a company's history (including MVRs, CSA scores, and accident frequency), we can identify trucking companies with the lowest risk of at-fault accidents. By insuring only those companies with the lowest risk profiles, insurance companies pay out fewer claims, leading them to lower their rates to attract and insure more low-risk trucking businesses.