Register a carrier by USDOT number, see in seconds whether it fits the captive's underwriting guidelines, and send the program administrator a complete underwriting file without re-keying a thing. You keep the client, the book, and your fee.
The Insurance Referral Partner program gives a licensed P&C agency a captive market for commercial auto on fleets of five or more power units, and the tools to place a risk there without the back-and-forth that usually goes with a captive submission. Prometheus is a fleet compliance and technology company. We are not a carrier, an MGA, or an agency, and we never contact your client.
Commercial auto liability and physical damage for established carriers with good safety records, placed through the captive's program administrator. Your agency is the producer of record.
Enter a USDOT number and the portal pulls authority, filings, CSA BASICs, inspections, out-of-service rates and crashes, scores the carrier against the captive's guidelines, and tells you in plain words why it does or does not fit and what would change that.
Upload the carrier's driver list, equipment list and loss runs in any format. The portal reads them, you confirm the tables, and it assembles the narrative, the score, the schedules and the originals into one package for the underwriter.
Agency Admins see the raw program premium and set the agency's management fee and financing terms. Your producers and the client see the finished price only.
Every carrier placed in the captive is enrolled in Managed XCompliance for the policy term: the XCompliance platform plus managed compliance service. It is a program requirement, added as a line on the client's total and collected with the premium. What it does.
Quote Prometheus telematics, ELD, cameras and asset tracking to the same fleets from the same portal, on the same commission schedule as our independent sales agents. No minimums, no quotas.
Six steps. Your agency does the first five inside the portal; the sixth comes back to you there too.
Type the USDOT number. The portal pulls the public record and scores it before anything is registered. A carrier that fails a hard stop ends here with the reason and what would change it.
Agent · 30 secondsOperation, commodities, operating states on a map, coverage requested, current carrier, X-date, contact. The checklist shows what is still missing.
Agent · 10 minutesDriver list, equipment list, loss runs, in any format. The portal reads every page, shows the rows it found next to the source, and you correct and confirm each table. Nothing scores until you confirm it.
Agent · confirm three tablesA written summary of the fleet and the risk, generated from the confirmed data and checked figure by figure. Add a producer note in your own words. Both go to the underwriter.
Agent · reviewYou attest to accuracy and to the carrier's authorization. The submission is frozen with a hash, every file is hashed, and every later change is a new version.
Agent · one clickThe premium comes back into the portal as a quote. Your fees and financing are added, the client sees the finished price, you request binding, and the policy is tracked to renewal.
Prometheus and the administratorThe Insurance Confidence Score measures a carrier against the captive's underwriting guidelines: authority and years in business, CSA BASICs, inspections and out-of-service rates, crashes, filings and lapses, loss history, and the driver roster. It is not a black box. Open it and you see each rule, the value it read, the result and the reason, and a plain-language card that tells you what the agency can supply now, what changes with time, and what cannot change.
Strong, Likely, Review, Unlikely. A hard stop (fewer than five units, a BASIC at the 90th percentile, a revocation, a Conditional rating) reads as Not eligible with the reason, never as a number.
Public data says nothing about drivers or losses. Until the roster and loss runs are confirmed, the band is capped at Review and the card says so. Fill them and the cap lifts.
The score names the guidelines version that produced it. When the captive tunes a threshold, stored scores are re-scored and the label changes with them.
One Application per submission, built from your confirmed data. The underwriter reads one narrative page and has the evidence behind every sentence in the same file.
Getting the rate is a 90-day project; keeping it is a three-year one. The same public record that qualified the carrier is re-read at every renewal. A BASIC that drifts toward a threshold, a cancelled filing, an expired credential, a driver who kept running on a lapsed medical card: any of these can take a carrier out of the captive and out of your book at the same time. The program is built so that does not happen unnoticed.
Included with every policy placed in the captive. XCompliance monitors the carrier's SAFER and CSA record across all seven BASICs, inspections and out-of-service events, safety rating, insurance filings and authority status, and tracks the deadlines behind them: MCS-150 biennial update, UCR, driver medical cards, CDL and annual inspection dates. Filings are drafted for the carrier; nothing files without the carrier's approval. Your agency sees the same alerts, so you know before the renewal does.
Software alone hands a busy owner another list of things he is failing at. Managed XCompliance pairs the platform with HCM Integrity Services, an FMCSA and DOT compliance consultancy: driver qualification files, MCS-150 and authority updates, DOT audit preparation and assistance, CSA score management. The scope of the included service and the options above it are set out in the onboarding packet.
Prometheus is a certified Geotab platform partner. ELD, GPS, dash and driver-facing cameras from the same portal give the carrier hours-of-service, speeding, harsh-event and video records that stand behind the renewal file and answer a claim with footage instead of a statement. Hardware, software and installation in the U.S. are financed over a 36-month term, and you earn the telematics commission on the same client.
A renewal is linked to the bound policy in the portal. The carrier is re-scored against the current guidelines with the year's record, the roster and equipment schedule are already on file and only need confirming, and the underwriter receives the same package as at inception with the new score and narrative. Renewal terms carry no enrollment fee on the compliance line.
The program is free to join. Money moves only when a policy binds, and the client's total is built in the open from a template your agency controls.
| Line | Who sets it | Who sees it | Where it goes |
|---|---|---|---|
| Program premium | The captive, per risk | Agency Admin only | To the captive through the administrator |
| Agency management fee | Your agency, in your fee template (percent, flat or per vehicle) | Itemized on the client quote | To your agency |
| Financing | Your agency: down payment, installments, finance charge | Schedule on the client quote | Per your arrangement |
| Managed XCompliance | Program requirement, fixed rate per term; amounts disclosed at onboarding | Itemized on the client quote | Collected with the premium, remitted to Prometheus per bound policy |
| Telematics commissions | Prometheus commission schedule, same as independent sales agents | Your agency's commission ledger | To your agency |
Standard Agents under your account never see the program premium; they register carriers, complete submissions and present the finished quote. The compliance line is a fixed program rate: not marked up, discounted or split.
The preview tells you where a carrier stands in thirty seconds. These are the lines it draws.
Anything not here, ask on the partnership call.
Yours. Your agency is the producer of record, the carrier is your client, and the book is your book. Prometheus never contacts your client, and the agreement has no non-compete tail on your book.
Neither. Prometheus is a fleet compliance and technology company. We provide the portal, the scoring, the document extraction, the underwriting file and the compliance program. The captive and its program administrator underwrite, quote and bind.
Every policy placed in the captive includes Managed XCompliance for the term: the XCompliance monitoring platform plus HCM Integrity's managed compliance service. It is added as a line on the client's total, like your management fee, and financed with the premium if you offer financing. Amounts are fixed per term and disclosed at onboarding. Telematics and cameras are optional and quoted separately.
The portal tells you why a carrier is not eligible and what would change it. For a carrier that is out on fleet size or operation type, you place it in your standard markets as you do today; you can still quote Prometheus telematics and compliance to it from the same portal.
Your Agency Admin. Standard Agents and the client see the finished price, with your fees itemized, on a quote PDF in your agency's name and license.
During the pilot, Prometheus staff send each file to the program administrator and enter the returned premium as your quote in the portal. The direct connection to the administrator's system is being built now; the file you produce does not change.
Originals are stored unaltered and hashed. Driver license numbers are kept as the last four digits and dates of birth as ages in everything the portal generates; full values go to the underwriter only on request. Every access is logged.
Nothing. There is no platform fee, no per-user fee, no minimum volume and no quota. Your agency sets and keeps its own management fee on every policy it places and earns a commission on every telematics order it sells.
We review every application within one business day and schedule a partnership call. Approved agencies get their Agency Admin login the same day.