Insurance: tracking your commercial auto policy and renewal

What the Insurance tab shows

Most restoration operators carry one commercial auto policy that covers the whole fleet, not a separate policy per vehicle. The Insurance tab is where that policy lives inside Verinode: the policy number, how many vehicles it covers, the premium, and the renewal date, all in one list, colored by how soon that renewal date is coming up.

Verinode does not write or shop your policy. It reads what you enter, or what a forwarded declarations page brings in, and lays it out so the renewal date never sneaks up on you, and so the exact numbers your broker will ask for (vehicle count, premium, accident history) are sitting in one place when that conversation starts. You decide when to re-shop, switch carriers, or renew as-is.

Where to find it

Open Fleet from the sidebar at /fleet. The page opens as a horizontal card slider with seven tabs across the top: Roster, Maintenance, Compliance, Insurance, Drivers, Accidents, Costs. Insurance is the fourth tab.

Above the fleet slider sits the Take action row, and one of its tiles, Insurance Renewal, is a live count of active policies renewing inside the next 60 days. Clicking that tile opens this same Insurance slide. See the Fleet Take action row for how that tile's count and gauge work.

The policy list

When you have at least one policy on file, the tab opens with a count line, "1 policy on file. Most operators carry a single fleet-wide commercial-auto policy," (or "N policies on file" if you have logged more than one), followed by one row per policy. Each row shows:

• A status pill, reading the policy's current status: active, expired, cancelled, or superseded. Only one policy can be active at a time, see how adding a new policy works below.
• The policy number, or "Commercial Auto Policy" as a placeholder if no number is on file.
• Vehicles covered, for example "8 vehicles covered." If that field was never filled in, the row reads "Vehicle count not captured" instead of guessing a number.
• Premium, the annual premium, followed by the monthly figure worked out as annual premium divided by twelve, for example "$14.5k annual · $1.2k/mo."
• Renewal date, on the right, reading "Renews {date}." Underneath it, a second line reads how far out that is: "in 45d" if the renewal is still ahead of you, or "45d ago" if the policy has already lapsed.

Reading the renewal-date color

The renewal date on each row is colored to match how urgent it is:

• Ember (red), if the policy's status is active and its renewal date has already passed. This is the "you are currently uninsured or lapsed" state.
• Yellow (maintain tone), if the policy is active and its renewal date is 60 days out or sooner.
• Plain foreground, if the policy is active and its renewal is further out than 60 days.
• Muted (dimmed), for any policy that is not active, expired, cancelled, or superseded, regardless of what its end date says. A superseded policy from three renewals ago stays on the list for your record, but it never competes visually with the policy that is actually in force.

The Add Policy modal

Click + Add Policy in the Insurance tab's header to open Add Commercial Auto Policy. The modal opens with a note: "Adding a new active policy automatically supersedes the prior active one. Single-policy model for v1, most operators carry one fleet-wide commercial-auto policy." That is not a warning, it is how the tab is designed to work, see below.

The form asks for:

• Policy number. Free text, for example "CA-2026-0814." Optional.
• Policy start and Policy end. Both are date pickers. Policy end is required, marked on the form, and Verinode will not let you save without it. Policy start is optional, but if you fill in both, the end date has to fall on or after the start date, Verinode blocks the save with "Policy end must be on or after policy start" if you get the order backward.
• Annual premium (USD) and Vehicles covered. The premium is what you pay per year for the policy; vehicles covered is the whole-number count of vehicles the policy insures. Both are optional, but filling them in is what makes the list row (and the renewal-soon signal below) worth reading later.
• Liability per occurrence (USD) and Liability aggregate (USD). Your policy's liability limits: the maximum payout for a single incident, and the maximum total payout across the policy period. Optional.
• Collision deductible (USD) and Comprehensive deductible (USD). What you pay out of pocket before collision or comprehensive coverage kicks in on a claim. Optional.
• Notes. A free-text field for context, for example the carrier, broker, or MGA name. Optional.

1. 1Click + Add Policy on the Insurance tab.
2. 2Enter the policy number and dates. Policy end is the only required field.
3. 3Fill in the premium and vehicles-covered count so the list row and the renewal signal have real numbers to work with.
4. 4Add the liability limits and deductibles if you have your declarations page in front of you.
5. 5Click Add Policy. The modal closes, the page refreshes, and the new policy appears at the top of the Insurance list as the active one.

Every dollar field takes a plain number, no dollar sign or commas, and Verinode rejects a negative value or anything that is not a number with "must be a non-negative number." Vehicles covered has to be a whole number, a decimal is rejected with "Vehicles covered must be a whole number."

What happens when you save

Verinode's insurance model is single-policy in this version: an operator has one policy in force at a time. When you save a new policy, Verinode first marks any policy currently marked active as superseded, then inserts your new entry as the active one. You do not have to manually retire the old policy first, adding the new one does it for you. If you run two separate policies today, for example one for box trucks and another for trailers, log the one you use as your primary commercial auto coverage for now; splitting Insurance into multiple concurrent active policies is on Verinode's roadmap but not available yet.

Every add is written to your audit log, so there is a record of exactly when a policy was entered and what it superseded.

The renewal-soon Take Action tile

Once a policy's renewal date comes within 60 days, or has already passed, Verinode surfaces it as a decision, not just a colored date. This is the same underlying check that drives the Insurance Renewal count on the fleet Take action row, but as a Take Action card it carries the full picture: what is renewing, what it costs, what your accident history looks like, and what to do about it.

The title reads "Commercial auto policy renews in {N}d" while you still have runway, or "Commercial auto policy expired {N}d ago" once it has lapsed.

The body lays out, in one paragraph: the policy number (or "Commercial auto policy" if none is on file) and how many vehicles it covers, the exact renewal or expiry date, the current annual premium if one is on file, and an accident clause pulled straight from your Accidents tab, covering the trailing 36 months, the same window brokers price a renewal against. If you have logged zero accidents in that window, the clause reads that out as a strength: "Zero accidents logged in the past 36 months, that's a strong negotiating position." If you have logged accidents, it states the total, how many were at-fault, and how many involved injuries, since carriers weigh the at-fault count most heavily.

The recommendation depends on whether the policy has already lapsed:

• If it has expired, Verinode's recommendation is direct: get coverage reinstated immediately, since driving without commercial auto exposes you to the full liability of any incident, on top of possible network-suspension consequences.
• If it is renewing but still current, the recommendation is to re-shop the policy now, ask your broker for at least two carrier quotes, rather than auto-renewing with the incumbent, since operators who alternate carriers every couple of renewal cycles typically negotiate a better rate than one who never re-shops.

Verinode does not attach a dollar estimate to this card the way it does on some other decisions. Your real premium is already in the body and behind the card as evidence, so there is nothing to estimate, and Verinode does not fabricate a savings figure on top of a number you can already see.

Empty state

If you have not added a policy yet, the Insurance tab reads:

No commercial auto policy tracked yet. Most operators carry a single fleet-wide policy, add yours from the declarations page.

There is no placeholder row and no sample premium. The moment you save your first policy through + Add Policy, the list, the count line, and (once the renewal date is close enough) the Take Action card appear, no reload required.

Best-practice example

Say your Insurance tab shows one active policy, "CA-2026-0814," covering 8 vehicles, $14,500 annual premium, renewing in 45 days, colored yellow. At the same time, your Roster tab shows 9 vehicles marked Active. That mismatch, one uninsured or newly acquired vehicle, is worth resolving with your broker before renewal, not after a claim exposes it. Pull up the renewal-soon Take Action card, check the 36-month accident clause it surfaces, and use it as the starting point for the two-quote conversation with your broker: a clean accident history and an accurate vehicle count both work in your favor when carriers price the renewal.

Related articles

• The Fleet section: your vehicle footprint at a glance
• The Roster tab: every vehicle on file
• The Fleet Take action row: what needs your attention now
• The decision workspace
• Understanding your margin
• Benchmarks overview
• Forwarding documents
• Connecting your data