Cut Risk. Lower Premiums. Earn More.

Moving people or goods as a fleet owner or solo operator?

Nivel Insurance Brokerage, Inc. helps you expose Hidden Risk and find better liability insurance.

Don’t chase quotes with transactional brokers who ignore Hidden Risk.

Take control by putting yourself in a stronger position to earn lower premiums.

Want to learn more about how we expose Hidden Risk and help cut your premiums?

What Mobility Operators Like You Say

  • “Nivel helped us uncover risks to our business and kept us focused on better practices, so we were able to cut claims, boost telematics scores, and save over $30,000 on our renewal—while keeping pace with our deliveries.”

    Last-Mile Fleet Operator

  • “Never understood why brokers make so much commission for just selling a policy. What I really want is a broker who is actually on my side and helps me lower my premiums.”

    Ride-hail/Black Car Fleet Operator

  • “I’m already paying close to $1,000 a month just to get visibility into my claims data. Finding a broker that could actually give me that kind of insight as part of their service makes switching a no brainer."

    Last-Mile Fleet Operator

Hidden Risk costs you money.

When drivers are careless, telematics isn't used properly, or claims are mishandled, insurance companies lose money.

Then they surprise you with higher rates the next year.

3 Steps to Better Coverage

  • Expose Hidden Risk

    Upload telematics or loss runs and talk to a Risk Coach.

  • Coach Best Practices

    Human coaching powered by AI insights tackle top risks.

  • Find Better Coverage

    We re-shop the market with your new safety story.

BOOK NOW

Nivel empowers people with AI

to quickly expose Hidden Risk

and help you lower premiums

We've run fleets, settled claims, fought rate increases, and got tired of getting blindsided and feeling powerless at renewal time.

That’s why we founded Nivel—a 21st-century, AI-driven brokerage that combines real commerical transportation experience with cutting-edge tech.

Our licensed Mobility Risk Coaches obsess over Hidden Risk and Lower Premiums—not just selling you an insurance policy.

Stop Doing This.

  • Feeling powerless after
    double-digit rate increases

  • Being blindsided by inflated claim reserves you can fight

  • Reacting to problems
    instead of preventing them

Start Doing This.

  • Screening drivers better
    and improving their behavior

  • Getting rewarded for
    proactive claims handling

  • Taking control and
    keeping more of what you earn

You deserve a broker Risk Coach
who works as hard as you do
and puts you in control.

Questions

  • Nivel helps lowers your premiums by tackling Hidden Risk on three fronts in one seamless service: our Driver Screening flags and coaches risky hires before they ever hit the road, our Claims Handling captures real-time driver statements, photos, and video and advocates to adjusters so reserves reflect actual costs, and our Signal Tracking turns your live telematics into daily Safety Scores with targeted micro-coaching you can share with underwriters. The result? A data-backed safety story that helps deliver rate cuts.

  • Like any broker, we earn the standard 10-12 % carrier commission. We also share in any contingency bonus the carrier pays for hitting loss-ratio targets, so our incentives stay aligned with yours. Our AI-driven tech platform empowers our producers to do more efficiently, so we can add more value than other brokers for the same compensation.

  • Within 48 hours, you’ll receive a Hidden-Risk Score that highlights where your fleet can improve. If you choose Nivel Risk as your broker of record, we’ll put a custom plan in motion to reduce your risk and helps lower your premiums—which can happen as soon as your next renewal. If switching carriers leads to savings, we’ll show you the numbers so you can decide; if not, we work to negotiate better rates with your current provider.