Client Overview

• Fleet Size: 8 Power Units – All Class 8

• Location: Mississippi

• Industry: Regional Flatbed Carrier – Primarily hauling steel, lumber, and machinery in the Southeast

Challenges Before Working with Bayou Insurance

This fleet came to us after getting declined by every preferred carrier during their last renewal. Despite having no major claims, they couldn’t get quotes from any markets outside of their current high-cost option. Their challenges included:

• CSA Alerts in Multiple BASIC Categories:

  • Unsafe Driving

  • Hours-of-Service

  • Driver Fitness

• Declinations Without Detail:
  Every market declined without clear explanation—just citing “CSA scoring thresholds not met.”

• No Safety Coaching or Monitoring Plan:
  Their prior agent never offered a way to address these issues—just said to wait and hope next year was better.

• Renewed in the Non-Standard Market at 40% Higher Premiums

🟡 How Bayou Insurance Delivered Results

✅ CSA Positioning Audit & Score Breakdown
We conducted a full CSA audit and broke down:

• Which BASIC categories were in alert

• What violations and drivers were driving those alerts

• The actions needed to reverse those trends

✅ Strategic Renewal Planning Over 12 Months
Rather than a quick fix, we built a roadmap across the current policy term:

• Provided quarterly CSA snapshots

• Helped the fleet implement internal inspection audits

• Referred them to a DOT compliance consultant

• Ensured inactive drivers were removed from DOT files

• Flagged recurring ELD issues contributing to HOS spikes

✅ Market Re-Introduction with Strong Narrative
At their next renewal, we went back to market with:

• 3 consecutive quarters of improved CSA scores

• A documented internal safety plan

• A revised driver roster and inspection maintenance logs

🟢 Results & Impact

CSA Performance:

• Unsafe Driving BASIC dropped 38%

• HOS violations reduced by 50%

• Driver Fitness alert cleared entirely

💰 Renewal Result:

• Went from a $190,000 non-standard policy to three competitive quotes

• Final policy bound at $158,000 — a $32,000 savings

Long-Term Stability:
Fleet now enrolled in Bayou’s annual CSA monitoring program to stay ahead of scoring trends before renewal season hits.

🗣 Fleet Owner’s Feedback

“Our insurance options had completely dried up, and no one was explaining why.
Bayou Insurance didn’t just quote us — they coached us through the process of getting our CSA scores back on track.
When renewal came back around, the difference was night and day.”
— Owner, Mississippi-Based Flatbed Carrier