IMS | Commercial Insurance Telematics

Improve Driver Safety, Be Profitable and Strengthen Relationships with Commercial Lines Clients

Reimagine and grow your organization with our broad spectrum of insurance telematics solutions.

Why Shift to Commercial Insurance Telematics?

Commercial lines insurers are quickly adopting insurance telematics in order to fully realize the benefits telematics offers and restore profitability over more traditional models that have been delivering poor underwriting results. Due to adverse loss frequency and severity trends, including those caused by distracted driving, combined ratios for commercial insurers have risen to over 100%. In fact, the commercial auto underwriting losses grew from $744.8 million to slightly over $2.9 billion in 2016 (a 4x increase)!¹. In order for insurers to stay profitable, steep rates increases have become inevitable, much to the dissatisfaction of their fleet customers. In turn, in order to afford commercial premiums, fleets are playing with the numbers, such as insuring with larger deductibles and distributing risk and cost across a wider safety net to achieve a better cost.


Risky driving habits of fleet drivers increase commercial auto insurance claims frequency


White Paper - UBI for Commercial Lines

White Paper - Commercial Insurance Telematics

Datasheet - Commercial Insurance Telematics

Datasheet - Commercial Insurance Telematics


IMS Commercial Insurance Telematics

IMS Commercial Insurance Telematics provides the commercial insurers with the industry’s most comprehensive solution satisfying the needs of the insurer, fleet manager and fleet driver alike. Commercial insurers finally have the proper tools to engage, retain and assess fleet risk to ensure a profitable book of business. Fleet drivers get regular real-time feedback and insights to continuously improve driving behavior and, appraise and reward performance and safety. Fleet managers have the ability to improve driver behavior and realize cost savings at every stop along the way – all while paying the commercial premiums most accurately associated with their fleet risk.

Commercial insurance telematics provides insurers with the ability to improve profits by encouraging safe, distraction free driving behaviors. Studies conducted in the United States show a 20% reduction in fleet accidents when telematics monitoring is in place. In Europe, this number climbs to 28%!

Key Features

Optimize the performance, safety and cost of your fleet customers.


vehicle-centric mobile telematics for insurers and fleet owners
*Mobile Telematics App for Fleet Drivers


IoT-enabled Device Tags

Data Feeds, Analytics and Vehicle Enablers

Assess risk and price commercial fleet premiums accordingly (including Commercial Usage Based Insurance), using flexible in-vehicle enabler options such as smartphone and OBD devices.

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fleet managment for owners and managers 

Easy Upgrade Path

Base fleet management system to help fleet managers better control costs and associated productivity.


Commercial Driver Behavior Telematics

Driver Behavior Assessment

Monitor and review key driver scores and behaviors including acceleration, braking, time of day, day of week, cornering, speed, distracted driving, mileage and garaging location.

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customer success 

Full Access to IMS Business Center

Equip your program teams with administrative data necessary to help better manage users, inform decision-making and provide insights for measuring program and customer success.

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Smartphone Telematics App for Commercial Drivers

Mobile Telematics App for Fleet Drivers

Provide driver coaching, insights and feedback, including improving safety through gamification functionality via competitive fleet leaderboards to reward and incent safe driving performance.

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Key Benefits

vehicle-centric mobile telematics for insurers and fleet owners
*Commercial Insurance Telematics Portal


Driver Coaching Fleet Program

Driver Coaching

Improve driver safety and help reduce accidents by encouraging safer driving practices with feedback and coaching to avoid risky behaviors and unsafe vehicle operation, including distracted driving.

Increase operational efficiency 

Cost Reduction and Performance Improvements

Increase operational efficiency and performance by reducing claims and costs through data insight and driver feedback that encourage safer driving practices, minimizes fraudulent claims and ensures a safer operating fleet on the road.

Improving commercial insurance processes

Process Optimization

Improving insurance processes by using actionable data as inputs to improve risk and underwriting practices, including Commercial Usage Based Insurance.

Discover Commercial Usage Based Insurance

Effective Fleet Management Operations 

Fleet Management

Improving fleet management operations by providing deep insights into actual driving behavior, along with fleet operating data that ensures safer, more cost effective fleet operations.





IMS Commercial Insurance Telematics Components

IMS Commercial Insurance Telematics, powered by DriveSync, provides everything insurers need to manage and administer a successful commercial insurance telematics, or UBI program, and includes a fleet management product for fleet owners.


End-to-end behavior-based commercial insurance telematics solution

Usage-Based Insurance for Commercial Lines

Explore IMS UBI Intelligence for Commercial Lines

A unique and compelling telematics program.

Explore IMS Commercial Insurance Telematics In More Detail

Learn more about the various commercial insurance telematics services and capabilities available through IMS.

Commercial Usage-based Insurance

As a form of commercial insurance telematics, commercial usage based insurance (UBI) has quickly become a popular topic with commercial insurers and fleet organizations alike. It enables commercial insurers to reward safe driving practices with policy premium discounts – helping to acquire new fleet customers while retaining more profitable book of fleet business.

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Usage-Based Insurance for Commercial Lines

Distracted Driving Detection

Distracted driving accounts for 50% of all automotive accidents and is resulting in huge losses for commercial auto. 3,000 deaths and 400,000 injuries occur each year in distracted driving accidents and some 15 percent of those are generated from commercial motor vehicle accidents². With IMS’ Distracted Driving capabilities, insurers can detect distracted behaviors, including time, duration and even severity level of smartphone usage while driving.

The information is displayed to the fleet driver, for distracted driving coaching and safety awareness purposes, with the goal of reducing driving behaviors that lead to significant accidents.


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Distracted Driving Detection

Distracted Driving Solution

Scoring and Rating

Flexibility is key to a smooth big data and analytics journey. IMS offers full flexibility in scoring and rating to precisely assess risk for each policyholder and encourage safe driving.


The right scoring and rating for your business:

  • Flexible Options: Create a scoring and rating model leveraging any of three methods:
  • Unique Rating Systems: Create differentiation through a unique scoring system.
  • Expanded Scores: Leverage a selection of scoring variables for your algorithms.
  • Scoring UX: Displays scoring and events in an easy-to-understand experience for policyholders.


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Scoring and Rating

Safety Score


[1] Source: Insurance Journal, 2018,

[2] Source: Insurance Journal, 2017,

Learn more about IMS Commercial Insurance Telematics

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