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Aon launches action-based small fleet insurance offering through CarrierHQ’s online portal
Innovative, data-driven rate adjustment solution offers cash flow-friendly motor carrier insurance rates for fleets with 20 or fewer vehicles

CHICAGO (September 23, 2019) – Aon plc, the leading global professional services firm providing a broad range of risk, retirement and health solutions, today announced the launch of an action-based monthly motor carrier insurance program. The program will be offered exclusively through CarrierHQ’s online portal ( designed to provide industry-leading products and services to help small carriers lower their costs, increase their cash flow, and grow their business through its mobile-friendly app.

Using data from the federally mandated electronic logging devices (ELD), Aon’s proprietary rating algorithm will provide fleet owners with a driver’s score based on their actions behind the wheel; the fleet owners will pay a variable insurance rate per truck based on that score. Those with safe driving actions will receive lower premiums, while risky driving actions will result in higher premiums. Rates are then eligible for adjustment each month, giving small fleet owners the ability to directly influence their insurance cost, the second largest fixed expense for small fleets. Fleets looking to gain additional cash flow flexibility may couple the insurance product with a CarrierHQ Certified Factoring Partner, enabling the fleet to pay monthly insurance installments without any large down payments or costly premium financing. 

“In many cases, the upfront premium investment is a major barrier to entry or growth,” said Mark Epperson, executive director, Aon. “By eliminating upfront fees and premium finance charges, we are empowering economic possibility by freeing up capital and improving cash flow, which will allow owners to grow their business.”

“This service offering has long been missing from the industry. Not only are we bringing a new attractive insurance solution to small fleets, but we’re also transforming its delivery – no money down, promoting safer driving with variable rates, and hassle-free online enrollment designed for a mobile workforce. We believe this offering will significantly improve the business outcomes of small fleets, by allowing them access to lower insurance rates and more cash flow,” said Scott Prince, CEO, CarrierHQ.

The product will be rolled out nationwide and ultimately be available in all states except New York, Alaska, and Hawaii.

More information on the action-based monthly motor carrier insurance program and other small fleet services:

About Aon
Aon plc (NYSE:AON) Aon is a leading global professional services firm providing a broad range of risk, retirement and health solutions. Our 50,000 colleagues in 120 countries empower results for clients by using proprietary data and analytics to deliver insights that reduce volatility and improve performance. Aon has five specific global solution lines: Commercial Risk Solutions, Reinsurance Solutions, Retirement Solutions, Health Solutions and Data & Analytic Services.

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About CarrierHQ
CarrierHQ ( provides industry-leading products and services through an on-the-go portal to help small carriers lower their costs, increase their cash flow, and grow their business. CarrierHQ’s mobile headquarters for fleets provides hassle-free signup and flexible payment options for business services, including motor carrier insurance, factoring, business formation, DOT filing, and more.  CarrierHQ’s online portal ties core fleet service offerings together and leverages them in a way that is transformative to the industry.

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Media Contacts:

Matt Taylor
Phone: 312.783.5837

Abby Somers
Phone: 317.960.5562

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