MetRisk Services — Commercial Insurance & Risk Management
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Industries · Transportation

One crash should never reach the balance sheet.

A single serious crash becoming a nuclear verdict — where the judgment doesn't stop at your auto limit, and everything above it comes off your balance sheet.

Book a 15-minute call What we'd look at first

Flat-fee advisory. We don't sell the policies.

Our fee is the same whatever your premium does, and every broker commission on your program is disclosed to you in writing.

The terrain

What makes transportation risk different.

Auto liability severity

Commercial auto verdicts have outrun limits across the country. The gap between your combined single limit and a bad verdict is the largest unpriced number in a fleet operation.

The driver file as the defense file

Hiring, MVR review, training, and discipline records are what plaintiff's counsel reads first. Negligent entrustment turns one driver's crash into the company's punitive exposure.

What telematics gives, and what it takes

Camera and telematics data is one of the few things a carrier will price ahead of your loss history — and it cuts both ways in litigation unless the program around it is disciplined.

Drivers are also employees

The same miles produce workers' comp exposure — fatigue, lifting at the dock, slips at the customer's site — and the mod that follows prices every year after.

The system, applied

Which instruments carry the weight here.

See what your transportation program actually costs you.

Your program, your loss record, and where the money is. Fifteen minutes, no deck, no obligation — you keep the findings.

Michael Stoop
Book a 15-minute call

Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

Pick a time Get a free policy review

Or call us now — 347.252.6150

Not ready for a conversation?

Wrong time of year?

Tell us the date your program renews and we'll follow up with you 120 days before it — the point where there is still time to run a real process.

Take the blind-spot check

Ten questions about your own program, answered from memory in ninety seconds. Nothing uploads.

Get one policy reviewed, free

Send the policy you are least sure about. We read it against how you operate and send back the three findings with the most at stake, each tied to its page.

Run your own loss pick

Premium and losses in, your ratio against the 50% line out — one year is enough. Nothing is submitted to anyone.

Walk a full engagement

A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.

  • Flat annual fee — never a percentage of your premium
  • Broker commission disclosed on every quote, in writing
  • No contingency payments, overrides, or profit-sharing