Fleet by Franchisee: vehicle count, age, mileage, and premium per member

What the Fleet by Franchisee row shows

Fleet by Franchisee is the full roster at the bottom of the HQ Fleet page: every franchisee with at least one registered vehicle, one tile per franchisee. The three rows above it, Insurance Risk, Compliance & Driver Risk, and Accidents, are filtered watchlists that only surface a franchisee when something needs attention. This row is different: it shows every franchisee that has fleet data on file, flagged or not. It is the census, not the alarm list, the row to open when you want to see how vehicles, age, mileage, and insurance spend are distributed across the whole network side by side, rather than only the outliers.

Each tile carries four facts about one member's fleet: how many active vehicles they run, the average age of those vehicles, total mileage, and annual commercial-auto premium, with a dollar comparison against what the rest of the network is paying per vehicle. Verinode reads this from the vehicles, policies, and services each franchisee has already registered inside their own Verinode IQ account. Nothing on this row is entered or edited from HQ.

Where to find it

Open Assets from the HQ sidebar, then the Fleet pill, at hq.verinode.ai/fleet. The Assets cluster carries a tab strip at the top of all three of its pages, Facilities · Fleet · Equipment, a rounded pill capsule with the active tab filled in copper.

The Fleet page is a stack of five rows, top to bottom:

1. A hero panel: total active vehicles across the network, total mileage, annual premium, and policies expiring inside 90 days.
2. Insurance Risk: franchisees carrying active commercial-auto policies that expire inside the next 90 days.
3. Compliance & Driver Risk: franchisees with overdue services, expiring registrations or DOT inspections, expired driver licenses, or stale MVR pulls.
4. Accidents: franchisees with at least one at-fault accident recorded in the last 36 months.
5. Fleet by Franchisee, this row, the full roster.

Which franchisees appear, and in what order

A franchisee appears in this row as long as it has at least one vehicle on file (active or not) in the network data, the nightly rollup table HQ reads from. Franchisees are ranked by total vehicle count, largest first, the same order the underlying rollup query returns.

The row displays up to twelve franchisee tiles. In a network larger than twelve, the smaller fleets at the tail of the ranking scroll off the row rather than paginate.

Anatomy of a tile

Each tile represents one franchisee:

• Label pill, top-left: the franchisee's active-vehicle count, formatted as "1 vehicle" for exactly one, or "N vehicles" otherwise, for example "14 vehicles."
• Headline: the franchisee's name (real or anonymized, see below).
• Sub line: average vehicle age and total mileage, joined with a middle dot when both are available, for example "3.2yr avg · 210k mi." If age data isn't on file for that franchisee's fleet, the sub line drops the age clause and shows mileage alone.
• Meta line: annual premium and the premium gap versus the rest of the network, joined with a middle dot when both are present, for example "$48k/yr premium · +$3k/yr vs peer." Either clause is dropped, not shown as a dash, when its underlying figure isn't available: a franchisee with no premium on file shows only the gap clause (or neither, if the gap can't be computed either), and vice versa.
• Accent color: copper, the network-neutral brand accent HQ uses for reference information. The three rows above this one carry a signal color (Ember Red or Hard Hat Yellow) because they're flagging a problem. Fleet by Franchisee is copper because it isn't flagging anything, it's a directory.

Mileage and premium, read plainly

Total mileage sums the odometer readings Verinode has on file for that franchisee's active vehicles, formatted the same way the network hero does: under 1,000 miles shows the plain figure, 1,000 and above rounds to the nearest thousand ("210k mi"), and 1,000,000 and above shows to one decimal in millions ("1.4M mi").

Annual premium is the sum of that franchisee's active commercial-auto policy premiums, formatted the same currency scale used across HQ: under $1,000 shows as a plain dollar figure, $1,000 and above rounds to the nearest thousand ("$48k"), and $1,000,000 and above shows to one decimal in millions ("$1.4M").

Average vehicle age is that franchisee's active fleet averaged by age in years, shown to one decimal, "3.2yr avg." When there's no age history to compute an average from, the clause is omitted rather than shown as zero.

The premium gap: what "+$3k/yr vs peer" actually means

The gap figure on a tile's meta line answers one question: is this franchisee paying more or less per vehicle for commercial-auto insurance than the rest of this network typically pays? Verinode computes each franchisee's annual premium divided by its active vehicle count, then compares that per-vehicle figure against the median per-vehicle premium across every franchisee in your own network that has both a premium and an active vehicle count on file.

• A positive figure ("+$3k/yr vs peer") means that franchisee's total premium runs below what the network median per-vehicle rate would cost them at their fleet size, a favorable position.
• A negative figure ("-$5k/yr vs peer") means the franchisee is paying more than the network median would predict for a fleet of its size, a candidate for a rate-shopping or bulk-buy conversation.

This comparison is within your own network only. It is not a regional or national insurance benchmark, and it does not reflect what the industry at large pays, only how this franchisee's rate compares to the other members already reporting into your HQ account. When too few franchisees in the network carry both premium and vehicle-count data to compute a stable median, the gap clause is left off tiles entirely rather than shown against an unreliable comparison.

Anonymization: named franchisees vs. Franchisee #A1B2

Whether a franchisee appears by its real name in this row depends on your network's entity model, set once when your HQ account is configured:

• Same entity (a single multi-location enterprise or PE-backed roll-up, every location the same legal business): franchisees appear by their real name.
• Independent operators (a franchise network of separately owned businesses, or an association), the default and safer posture for a new network: every franchisee's name is replaced with a stable label like "Franchisee #A1B2," derived from that franchisee's internal account ID. The same franchisee always gets the same label across every visit, so you can track it over time, but the label itself never reveals which business it is.

The small-network guard

Anonymizing a name is not enough protection on its own in a very small network: with only one or two franchisees reporting, a single tile's numbers can identify that franchisee by elimination even under a made-up label. To close that gap, HQ suppresses this row entirely, along with Insurance Risk, Compliance & Driver Risk, and Accidents above it, whenever your network is in independent-operators mode and has fewer than three active franchisees. The hero panel still shows in full, and a copper-accented banner appears where the rows would be:

Aggregate-only view. Your network currently has fewer than three active operators, so per-franchisee fleet posture tiles are suppressed to protect operator privacy (small-cohort identification risk). Hero aggregates still surface. Tiles return once the network reaches 3+ active operators, or change the network data posture in Settings → Group → Data posture.

Same-entity networks bypass this guard entirely, since there is no separate-business identity to protect when every location is the same legal entity.

Empty state

When no franchisee in the network has registered any vehicle yet, the row shows a single line in place of tiles:

"Fleet data will appear as franchisees register their vehicles."

This is distinct from the small-network banner above: the empty-row message means Verinode has received no fleet records from anyone in the network yet; the banner means records may exist but the network is too small to display them per franchisee without a privacy risk. As franchisees register vehicles and policies inside their own IQ account, they begin appearing here the next time the network rollup refreshes.

Opening a franchisee's detail slider

Clicking any tile in this row opens that franchisee's Fleet detail slider, a centered overlay scoped to that one franchisee. It is the same slider every tile on the Fleet page opens, whichever row you click from. Top to bottom, it shows:

Header. The franchisee's name (real or anonymized), its city and state (shown only in same-entity networks; independent-operators networks read the location anonymized instead), its roster status, and a pill reading "N active" or "N active / M total" when some of its vehicles aren't currently active.

Scope switcher. Three pills let you choose what the franchisee's numbers are compared against: Group (the rest of your own network), Regional (same state, cross-network), or National (cross-network, no state filter). Each available pill shows its cohort size in parentheses, for example "Group (14)." A scope that can't yet publish a comparison shows as unavailable with an explanatory hint: most commonly that regional and national fleet benchmarks haven't seeded across the platform yet, or that the cohort in view is too small to compare against without risking identification.

Fleet shape section, four metric tiles: Vehicles (total on file), Avg vehicle age, Annual commercial-auto premium, and Owned vs leased (the percentage of the fleet owned outright rather than leased). Each tile shows the franchisee's own value alongside the peer median at the selected scope (once publishable) and a delta line such as "+12% vs median" or "On par with peers," colored by whether that direction is favorable for that specific metric: more vehicles and a higher owned-percentage read favorably, higher average age and higher premium do not. If a network program has set a target for that metric, the tile also carries a small target-compliance tag naming the program.

Safety section, two tiles: Accidents (36mo) and At-fault (36mo), each peer-compared the same way, fewer is always favorable for both.

Compliance watch section, eight counters in a single panel: Policies < 90d, Registrations < 90d, DOT inspections < 90d, Services overdue, Drivers with an expired license, Drivers with a stale MVR pull, Open compliance events, and Services completed in the last 30 days. Beneath the counters, a single status line reads the overall posture: an active-gaps line in Ember Red when anything is overdue or a driver license has lapsed, a heads-up line in Hard Hat Yellow when nothing is overdue but renewals or MVR pulls are approaching, or a clean-posture line in Deere Green when neither applies.

Scope footer. A line naming the comparison you're currently looking at: under Group scope, either a note that the peer cohort is too small to compare, or a confidence-labeled line like "Within-network comparison · Directional · n=8" (confidence reads High confidence, Directional, or Low confidence depending on cohort size). Under Regional or National scope, it currently reads that those industry benchmarks are pending and will seed as more fleet data flows into Verinode's cross-network intelligence layer.

If the slider's data fails to load, it shows "Couldn't load this franchisee's fleet data." with a Close link, rather than a broken screen. While loading, it shows the franchisee's name and city/state header immediately with a plain "Loading…" line below, so the overlay never opens on a blank page.

How to use this row

Use Fleet by Franchisee as the full-roster reference, the row to scan when you want every franchisee's fleet posture side by side rather than only the ones already flagged above it.

1. 1Scan top to bottom for vehicle count and average age, the row is already sorted by total vehicles held, so the network's largest fleets appear first.
2. 2Check the mileage clause for franchisees running unusually high totals relative to their vehicle count, a candidate for a maintenance-cadence or replacement-cycle conversation.
3. 3Watch the premium-gap clause for franchisees paying meaningfully more than the network median per vehicle, a candidate for a rate-shopping or network bulk-buy conversation.
4. 4Click any tile to open its detail slider for the full peer-compared picture: fleet shape, safety, and compliance watch, before you have that conversation.
5. 5Cross-reference a franchisee that stands out here against Insurance Risk, Compliance & Driver Risk, and Accidents above, a franchisee appearing in all four rows is the one whose fleet story needs the most attention this cycle.

What HQ never shows here

HQ's database role has no path to query a franchisee's own PII database, where individual vehicle records, VINs, maintenance logs, and insurance documents actually live. Every number on this row and in the detail slider it opens comes from a nightly rollup a franchisee's own aggregator cron computes and writes up. There is no drill-through from any tile into a franchisee's actual vehicle list, service history, or insurance carrier relationships. What you see is counts, sums, ages, and a network-relative premium comparison, never the underlying records.

Related articles

• HQ overview
• Network Health: the network home
• Benchmarks at HQ
• Programs
• Standards
• Compliance
• Report library
• Broadcasting to your network