HDVI Shift™

Keep fleets in business, trucks on the road, and America running.

Supply chain issues impact us all. But fleets are challenged with driver shortages, scarcity of trucks and a number of other supply chain obstacles – including rising insurance costs year after year.

That’s why HDVI created Shift – the first dynamically priced insurance product that enables fleets to reduce the cost of their monthly premiums within their policy term.

How we do it

Real-time telematics data

Using a fleet’s own real-time telematics data means we can charge a fleet the cost of their actual risk.


We provide specific safety insights that serve as goal posts for fleets to guide them into safer driving and reduced premiums.


We provide fleets with tools to increase efficiencies, decrease costs and mitigate risks across a number of areas of their business.

Technology solutions

HDVI’s full suite of products ensure a fleet has the levers to improve safety, increase efficiency and ultimately reduce costs.

Dynamic pricing

HDVI is the first to offer a dynamically-priced insurance product that financially rewards fleets for safer driving.

Portal and dashboards

HDVI’s fleet portal and dashboards help fleets understand how to improve safety and decrease insurance premiums.

Driver rewards

HDVI’s Driver + helps drivers increase their individual safety metrics so that they can benefit from programs like Driver Rewards.


Our best-in-class insurance is strengthened by a team of experts that offer value-added services that traditional insurance brokers just don’t compete with.

Fleet Services

Our dedicated fleet services team helps our insureds reduce costs, mitigate risks and run a more efficient business. Each fleet has their own committed representative that consults with them monthly on:

  • Industry best practices
  • Safety and compliance standards
  • Telematics analytics and actionable insights

Insurance coverages

Auto liability

  • Limits up to $1,000,000
  • Fast federal and state motor carrier filings – BMC 91x, Form E, and OS-32 available
  • Includes Broadened Pollution

Physical damage

  • Combined deductible – up to $10k
  • Includes Towing coverage
  • Enhanced Physical Damage includes:
    • Tarps, Chains, & Binders
    • Mechanical Breakdown
    • Rental Reimbursement
  • Gap coverage available

Additional coverages

  • Hired Auto
  • Non-owned
  • Trailer Interchange
  • Non-owned Trailer


  • Limits up to $250k
  • Combined deductible – up to $10k
  • Widely accepted broad form coverage
  • Includes Debris Removal and Earned Freight
  • Enhanced Cargo:
    • Refrigerated Breakdown
    • Driver Error

Truckers general liability

  • Limits up to $1,000,000

Supplemental endorsements

  • Additional Insured
  • Waiver of Subrogation
  • And more

HDVI is not just an insurance policy, we’re a partner to America’s commercial trucking fleets.


Ready to see what HDVI Shift can do for your fleet? Find an agent today.