AmeriTrust Adopts The Floow’s Smartphone-based Mobile Fleet Telematics Solution

The insurer will pilot the FloowDrive platform with Oil & Gas service vehicles, monitoring driving and providing services to fleet and non-fleet drivers using a smartphone-based app.

(Image credit: Adobe Stock.)

AmeriTrust, a specialty niche-focused, commercial insurance underwriter and insurance administration services company, has selected insurance telematics and scoring innovator, The Floow (Detroit/Sheffield, U.K.), to partner on the development of a commercial auto telematics solution, using smartphone technology as a sensor, according to a vendor announcement.

The Floow reports that its smartphone-based telematics platform FloowDrive will form the core of AmeriTrust’s new commercial telematics product. The insurer will target commercial lines customers, piloting with Oil & Gas service vehicles, to monitor driving and provide services to their fleet and non-fleet drivers using a smartphone-based app. In addition to the driver app, FloowDrive will provide AmeriTrust with a strong management information portal, showing the scores and behavior of drivers against each policy.

The Floow’s use of the smartphone as a mobility sensor enabled AmeriTrust to go to market with the first wave of pilot customers very quickly, according to the vendor. The solution is aimed at the following benefits, by the vendor’s description:

John Kramer, VP, North America, The Floow.

For AmeriTrust: FloowDrive will provide granular insights into the driving habits of fleet drivers by scoring them on a number of driving factors, including smooth driving, distraction, speed, time of day and fatigue. Embracing a new technology-driven scoring and rating system will help AmeriTrust offer more accurate insurance pricing, provide a differentiated customer experience and develop a better understanding of their risk. Further, on top of the FloowScore platform, AmeriTrust has the ability to develop its own proprietary scoring that will become its own intellectual property.

For business owners: the solution offers the opportunity to gather better intelligence on their fleets by understanding the behavior and risk of their drivers. It also allows them to share those insights with drivers via the app, and to intelligently act on and improve driver performance via coaching and feedback.

“It’s always been our intention to offer our clients attractive and innovative solutions, so it’s exciting to be able to develop this telematics solution with The Floow,” comments Josh Crumley, VP, Operations & Analytics, AmeriTrust. “We have a strong belief that the smartphone can transform the relevance, customer engagement and accessibility of many of our solutions, so it’s great to be able to deliver this to our commercial lines customers. It’s intended to inclusively benefit AmeriTrust, our policy holders and our agency partners.”

Customer-Centric Telematics Vision

“AmeriTrust has a strong vision around telematics and an extremely customer-centric approach. We hope to partner in the long-term to scale the power of the smartphone to the commercial insurance space with a partner based in our home state of Michigan,” comments John Kramer, VP, North America, The Floow.

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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