Fuse Launches Transportation & Commercial Auto Hub as the Line Struggles to Reach Underwriting Profit
NEW YORK, September 22, 2026 — Fuse International, Inc. (fuserisk.com), an AI-native commercial insurance intelligence platform, today launched its Transportation & Commercial Auto hub. The hub gives brokers, carriers and reinsurers a single view of where pricing, capacity and appetite are heading in the sector.
Commercial auto has been one of the hardest lines in commercial insurance to price. Rate increases have been steady for years, but severity has kept rising with them: repair and replacement costs, medical costs, longer claim durations, and larger jury awards. Carriers adjust appetite by fleet size, radius and operation type, often without much notice. These signals usually sit in separate places, which makes it hard to see where the market is heading until it shows up at renewal.
The Fuse hub combines them. It brings together rate & rule filings, repair & medical costs, litigation & verdict trends, crash & safety data, and carrier appetite shifts, and turns them into a synthesized view of market direction.
Coverage
- For-hire trucking: long-haul and regional
- Last-mile delivery and local fleets
- Public auto: buses, transit, limousine and non-emergency medical transport
- Private and service fleets
The results show the pressure. AM Best reported a 113 combined ratio for commercial auto liability in 2024, and the commercial auto line posted an underwriting loss of about $4.9 billion that year. Results improved in 2025, but the line still lost roughly $1.9 billion.
“Commercial auto has had rate increases for years and still hasn’t caught up, because severity is moving on several fronts at once,” said Sean Bourgeois, founder and CEO of Fuse. “A broker going into a trucking renewal needs to know how verdicts, repair costs and carrier appetite are moving together in that state. That is what this hub shows.”
Transportation & Commercial Auto joins Fuse’s growing set of industry vertical hubs, along with its E&S/Surplus Lines and Reinsurance hubs.
The Transportation & Commercial Auto hub is available now at fuserisk.com.
About Fuse
Fuse International, Inc. is an AI-native commercial insurance intelligence platform. Fuse synthesizes rate filings, statutory financials, litigation trends, cost data, peril activity, and capital and reinsurance signals into market intelligence by vertical and state for brokers, carriers and reinsurers. Learn more at fuserisk.com.