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Does anyone care as much as a carrier does about their risk profile? Yes! A carrier’s insurance company does. The insurer needs to know a carrier’s risk management process and what that process can forecast forward. For any company to stay insured and potentially receive premium reductions, the insurance provider needs to know the:

  • Crash and loss experience history and trend,
  • The underlying causes of high-frequency crashes or the cause of a severe crash,
  • Actions the carrier is taking to address accident root causes and implement improvements to their safety program and culture, and
  • Technology used to directly prevent crashes or mitigate risk.

According to a recent study by the American Transportation Research Institute (ATRI), insurance premium costs per mile operated increased by 47% over the last ten years, from $0.059 to $0.087. Rising insurance rates correlate to the 967% increase in average verdict size for truck crashes, squeezing revenues for motor carriers.

The house always wins

Whether you want to play or not, many consider insurance a gamble. It is a risk they take or do not take. Every month carriers bet their premium that they are going to have an accident, and every month the insurance provider bets the limits of coverage that the carrier will not have an accident. To win, the “house,” or the insurance provider, must understand the odds in detail. In fact, they hire specialists to calculate the risk of having to pay out. These specialists are called underwriters.

Understanding risk

Insurance underwriters do not guess; they use facts and statistics. They consider, in part, a carrier’s:

  • Accident history
    Past behavior is a predictor of future behavior. How often do does the carrier have accidents, and how severe are they? The calculation is typically the accident rate per million miles. Accidents do not have to be the fault of the carrier. If a carrier has lots of accidents that they are not directly at fault for, it may be an indication that the carrier does not employ crash avoidance technology or teach defensive driving skills.
  • Violation history
    The FMCSA’s roadside inspection data indicating safety violations are public. Insurance companies have the same data as the FMCSA (Federal Motor Carrier Safety Administration). The companies understand the direct correlation between the number and severity of roadside inspection violations and accidents. They also recognize that the highest correlating factor is unsafe driving incidents and whether the carrier has implemented technology to identify risky driving behaviors.
  • Driver pool
    Drivers that have an elevated risk in their personal vehicles are a substantial risk while operating commercial vehicles. A carrier’s “best drivers” (e.g., those who are always on time) could be a carrier’s highest-risk drivers.
  • The number of “at bats” an operation has
    The more vehicles a carrier operates, and the more miles driven, the greater likelihood of an accident.
  • The operation type
    Geographically where operations occur, the type of vehicles driven, and the commodities hauled all impact a carrier’s risk profile.

Vehicle technology

Underwriters are interested in a carrier’s compliance trendlines and whether the carrier uses in-cab technology, such as dash cameras, ELDs, lane deviation detection, adaptive cruise control, and vehicle trackers. Data retrieved from these devices, such as hard braking, provide insights into a fleet’s risk. In this area, no news is not good news. Without good collaborative data on the carrier’s safety program, the underwriter assumes that technology is not in place. Or, if it is and the data is not provided, they assume the information paints a high-risk picture.

Key to remember

Focusing on improving safety through technology and going beyond the minimum compliance requirements yields significant benefits that impact operations, driving retention, insurance, risk, and litigation. Using in-cab technology, like dash cameras, to operate more safely may not provide any direct rewards from FMCSA. However, there may be rewards from your insurance provider – if the underwriter knows the technology is installed, the data is analyzed, and that safety trends are improving.

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Most Recent Highlights In Environmental

2026-06-24T05:00:00Z

Virginia reinstates power plant CO2 budget program

Effective date: April 24, 2026

This applies to: Power plant owners

Description of change: The Virginia Department of Environmental Quality reinstated the Virginia CO2 Budget Trading Program Regulation, which implements the Regional Greenhouse Gas Initiative (RGGI). Participation in the RGGI was stopped in 2023, but the state will resume participation on July 1, 2026, the same date on which the compliance requirements take effect.

The regulation requires fossil fuel-fired units that serve an electricity generator with a capacity of 25 megawatts or more to obtain enough allowances to cover CO2 emissions, which they can purchase in the September and December RGGI auctions.

The department also adopted amendments to the regulations, including establishing a one-time 6-month control period from July 1, 2026, to December 31, 2026.

Related state info: Clean air operating permits state comparison

2026-06-24T05:00:00Z

New Hampshire updates sludge management rules

Effective date: May 15, 2026

This applies to: Owners and operators of drinking water and wastewater treatment plants that generate sludge; land application sites; and facilities that treat, manage, or dispose of sludge

Description of change: The New Hampshire Department of Environmental Services amended sludge management rules. Major changes include:

  • Reinstating 5-year site and facility permit renewals (instead of 10 years),
  • Adding annual reporting requirements for sludge haulers (which already apply to septage haulers), and
  • Requiring all applications to be submitted electronically.

The rule also codifies per- and polyfluoroalkyl substances (PFAS) sampling (implemented in 2019 for the sludge quality certificate program).

2026-06-24T05:00:00Z

New Jersey adopts permanent remediation standards for PFAS

Effective date: June 15, 2026

This applies to: Contaminated sites subject to the remediation regulations for contaminated groundwater, soil, and soil leachate

Description of change: The New Jersey Department of Environmental Protection (NJDEP) formally adopted its interim remediation standards for specific per- and polyfluoroalkyl substances (PFAS), including:

  • Groundwater quality standards for hexafluoropropylene oxide dimer acid and its ammonium salt (GenX chemicals); and
  • Soil and soil leachate remediation standards for:
    • Perfluorononanoic acid (PFNA);
    • Perfluorooctane sulfonate (PFOS);
    • Perfluorooctanoic acid (PFOA);
    • GenX chemicals; and
    • Methanol.

The interim standards have been in place since 2022 and 2023, requiring regulated entities to conduct remediation to ensure these PFAS are cleaned up.

Additionally, the NJDEP amended the technical requirements to mandate analyses of the following chemicals in all media when contaminants are unknown or not well documented at a contaminated site:

  • PFNA,
  • PFOS,
  • PFOA,
  • GenX chemicals, and
  • 2,3,7,8-tetrachlorodibenzo-p-dioxin.
2026-06-24T05:00:00Z

Indiana adds permanent underground carbon dioxide storage rules

Effective date: June 10, 2026

This applies to: Entities that seek to participate in carbon sequestration projects

Description of change: The Natural Resources Commission adopted rules for permanent underground carbon dioxide storage, establishing:

  • The applicability of carbon sequestration projects, and
  • The rules for the Department of Natural Resources issuing involuntary integration orders and certificates of project completion.

The rules impact entities seeking to participate in carbon sequestration projects under IC 14-39. The regulations also affect pore space owners and surface owners.

2026-06-24T05:00:00Z

Nevada adds requirements for hazardous waste recyclers

Effective date: June 8, 2026

This applies to: Hazardous waste recyclers

Description of change: The State Environmental Commission adopted regulations to add requirements for entities that recycle certain hazardous waste, including compliance with:

  • Certain federal requirements;
  • Local zoning requirements, if applicable;
  • Specific reporting and notification requirements; and
  • Other particular regulations of the commission.

The rules also:

  • Exempt owners and operators of certain facilities that recycle certain hazardous materials without storing those materials before they’re recycled from the above requirements, and
  • Add fees for written determinations (required to construct or operate a facility or mobile unit for hazardous waste recycling) and for the facilities that recycle certain hazardous materials without storing those materials before they’re recycled.
See More

Most Recent Highlights In Transportation

2026-06-24T05:00:00Z

Virginia reinstates power plant CO2 budget program

Effective date: April 24, 2026

This applies to: Power plant owners

Description of change: The Virginia Department of Environmental Quality reinstated the Virginia CO2 Budget Trading Program Regulation, which implements the Regional Greenhouse Gas Initiative (RGGI). Participation in the RGGI was stopped in 2023, but the state will resume participation on July 1, 2026, the same date on which the compliance requirements take effect.

The regulation requires fossil fuel-fired units that serve an electricity generator with a capacity of 25 megawatts or more to obtain enough allowances to cover CO2 emissions, which they can purchase in the September and December RGGI auctions.

The department also adopted amendments to the regulations, including establishing a one-time 6-month control period from July 1, 2026, to December 31, 2026.

Related state info: Clean air operating permits state comparison

2026-06-24T05:00:00Z

New Hampshire updates sludge management rules

Effective date: May 15, 2026

This applies to: Owners and operators of drinking water and wastewater treatment plants that generate sludge; land application sites; and facilities that treat, manage, or dispose of sludge

Description of change: The New Hampshire Department of Environmental Services amended sludge management rules. Major changes include:

  • Reinstating 5-year site and facility permit renewals (instead of 10 years),
  • Adding annual reporting requirements for sludge haulers (which already apply to septage haulers), and
  • Requiring all applications to be submitted electronically.

The rule also codifies per- and polyfluoroalkyl substances (PFAS) sampling (implemented in 2019 for the sludge quality certificate program).

2026-06-24T05:00:00Z

New Jersey adopts permanent remediation standards for PFAS

Effective date: June 15, 2026

This applies to: Contaminated sites subject to the remediation regulations for contaminated groundwater, soil, and soil leachate

Description of change: The New Jersey Department of Environmental Protection (NJDEP) formally adopted its interim remediation standards for specific per- and polyfluoroalkyl substances (PFAS), including:

  • Groundwater quality standards for hexafluoropropylene oxide dimer acid and its ammonium salt (GenX chemicals); and
  • Soil and soil leachate remediation standards for:
    • Perfluorononanoic acid (PFNA);
    • Perfluorooctane sulfonate (PFOS);
    • Perfluorooctanoic acid (PFOA);
    • GenX chemicals; and
    • Methanol.

The interim standards have been in place since 2022 and 2023, requiring regulated entities to conduct remediation to ensure these PFAS are cleaned up.

Additionally, the NJDEP amended the technical requirements to mandate analyses of the following chemicals in all media when contaminants are unknown or not well documented at a contaminated site:

  • PFNA,
  • PFOS,
  • PFOA,
  • GenX chemicals, and
  • 2,3,7,8-tetrachlorodibenzo-p-dioxin.
2026-06-24T05:00:00Z

Nevada adds requirements for hazardous waste recyclers

Effective date: June 8, 2026

This applies to: Hazardous waste recyclers

Description of change: The State Environmental Commission adopted regulations to add requirements for entities that recycle certain hazardous waste, including compliance with:

  • Certain federal requirements;
  • Local zoning requirements, if applicable;
  • Specific reporting and notification requirements; and
  • Other particular regulations of the commission.

The rules also:

  • Exempt owners and operators of certain facilities that recycle certain hazardous materials without storing those materials before they’re recycled from the above requirements, and
  • Add fees for written determinations (required to construct or operate a facility or mobile unit for hazardous waste recycling) and for the facilities that recycle certain hazardous materials without storing those materials before they’re recycled.
2026-06-24T05:00:00Z

Virginia reinstates power plant CO2 budget program

Effective date: April 24, 2026

This applies to: Power plant owners

Description of change: The Virginia Department of Environmental Quality reinstated the Virginia CO2 Budget Trading Program Regulation, which implements the Regional Greenhouse Gas Initiative (RGGI). Participation in the RGGI was stopped in 2023, but the state will resume participation on July 1, 2026, the same date on which the compliance requirements take effect.

The regulation requires fossil fuel-fired units that serve an electricity generator with a capacity of 25 megawatts or more to obtain enough allowances to cover CO2 emissions, which they can purchase in the September and December RGGI auctions.

The department also adopted amendments to the regulations, including establishing a one-time 6-month control period from July 1, 2026, to December 31, 2026.

Related state info: Clean air operating permits state comparison

See More

Most Recent Highlights In Safety & Health

2026-06-24T05:00:00Z

New Hampshire updates sludge management rules

Effective date: May 15, 2026

This applies to: Owners and operators of drinking water and wastewater treatment plants that generate sludge; land application sites; and facilities that treat, manage, or dispose of sludge

Description of change: The New Hampshire Department of Environmental Services amended sludge management rules. Major changes include:

  • Reinstating 5-year site and facility permit renewals (instead of 10 years),
  • Adding annual reporting requirements for sludge haulers (which already apply to septage haulers), and
  • Requiring all applications to be submitted electronically.

The rule also codifies per- and polyfluoroalkyl substances (PFAS) sampling (implemented in 2019 for the sludge quality certificate program).

2026-06-24T05:00:00Z

New Jersey adopts permanent remediation standards for PFAS

Effective date: June 15, 2026

This applies to: Contaminated sites subject to the remediation regulations for contaminated groundwater, soil, and soil leachate

Description of change: The New Jersey Department of Environmental Protection (NJDEP) formally adopted its interim remediation standards for specific per- and polyfluoroalkyl substances (PFAS), including:

  • Groundwater quality standards for hexafluoropropylene oxide dimer acid and its ammonium salt (GenX chemicals); and
  • Soil and soil leachate remediation standards for:
    • Perfluorononanoic acid (PFNA);
    • Perfluorooctane sulfonate (PFOS);
    • Perfluorooctanoic acid (PFOA);
    • GenX chemicals; and
    • Methanol.

The interim standards have been in place since 2022 and 2023, requiring regulated entities to conduct remediation to ensure these PFAS are cleaned up.

Additionally, the NJDEP amended the technical requirements to mandate analyses of the following chemicals in all media when contaminants are unknown or not well documented at a contaminated site:

  • PFNA,
  • PFOS,
  • PFOA,
  • GenX chemicals, and
  • 2,3,7,8-tetrachlorodibenzo-p-dioxin.
2026-06-24T05:00:00Z

Nevada adds requirements for hazardous waste recyclers

Effective date: June 8, 2026

This applies to: Hazardous waste recyclers

Description of change: The State Environmental Commission adopted regulations to add requirements for entities that recycle certain hazardous waste, including compliance with:

  • Certain federal requirements;
  • Local zoning requirements, if applicable;
  • Specific reporting and notification requirements; and
  • Other particular regulations of the commission.

The rules also:

  • Exempt owners and operators of certain facilities that recycle certain hazardous materials without storing those materials before they’re recycled from the above requirements, and
  • Add fees for written determinations (required to construct or operate a facility or mobile unit for hazardous waste recycling) and for the facilities that recycle certain hazardous materials without storing those materials before they’re recycled.
2026-06-24T05:00:00Z

Virginia reinstates power plant CO2 budget program

Effective date: April 24, 2026

This applies to: Power plant owners

Description of change: The Virginia Department of Environmental Quality reinstated the Virginia CO2 Budget Trading Program Regulation, which implements the Regional Greenhouse Gas Initiative (RGGI). Participation in the RGGI was stopped in 2023, but the state will resume participation on July 1, 2026, the same date on which the compliance requirements take effect.

The regulation requires fossil fuel-fired units that serve an electricity generator with a capacity of 25 megawatts or more to obtain enough allowances to cover CO2 emissions, which they can purchase in the September and December RGGI auctions.

The department also adopted amendments to the regulations, including establishing a one-time 6-month control period from July 1, 2026, to December 31, 2026.

Related state info: Clean air operating permits state comparison

2026-06-24T05:00:00Z

North Carolina approved revisions to wastewater discharge rules

Effective date: May 1, 2026

This applies to: Facilities with domestic wastewater discharges up to 2 million gallons per day

Description of change: The North Carolina Department of Environmental Quality (DEQ) adopted a rule that adds a permitting option to the National Pollutant Discharge Elimination System (NPDES) program for facilities with domestic wastewater discharges of up to 2 million gallons per day.

DEQ removed the ban on new or expanded discharges of oxygen-consuming waste when the 7Q10 and 30Q2 flows are both 0 for these facilities. In other words, it allows systems to discharge domestic wastewater to zero-flow receiving streams, provided the system:

  • Meets qualifying criteria,
  • Complies with specific effluent limits, and
  • Uses low-energy methods before discharging wastewater to the receiving stream.

It’ll likely benefit areas where the cost of piping to a higher-flowing stream farther away is prohibitive.

See More

Most Recent Highlights In Human Resources

2026-06-24T05:00:00Z

New Hampshire updates sludge management rules

Effective date: May 15, 2026

This applies to: Owners and operators of drinking water and wastewater treatment plants that generate sludge; land application sites; and facilities that treat, manage, or dispose of sludge

Description of change: The New Hampshire Department of Environmental Services amended sludge management rules. Major changes include:

  • Reinstating 5-year site and facility permit renewals (instead of 10 years),
  • Adding annual reporting requirements for sludge haulers (which already apply to septage haulers), and
  • Requiring all applications to be submitted electronically.

The rule also codifies per- and polyfluoroalkyl substances (PFAS) sampling (implemented in 2019 for the sludge quality certificate program).

2026-06-24T05:00:00Z

New Jersey adopts permanent remediation standards for PFAS

Effective date: June 15, 2026

This applies to: Contaminated sites subject to the remediation regulations for contaminated groundwater, soil, and soil leachate

Description of change: The New Jersey Department of Environmental Protection (NJDEP) formally adopted its interim remediation standards for specific per- and polyfluoroalkyl substances (PFAS), including:

  • Groundwater quality standards for hexafluoropropylene oxide dimer acid and its ammonium salt (GenX chemicals); and
  • Soil and soil leachate remediation standards for:
    • Perfluorononanoic acid (PFNA);
    • Perfluorooctane sulfonate (PFOS);
    • Perfluorooctanoic acid (PFOA);
    • GenX chemicals; and
    • Methanol.

The interim standards have been in place since 2022 and 2023, requiring regulated entities to conduct remediation to ensure these PFAS are cleaned up.

Additionally, the NJDEP amended the technical requirements to mandate analyses of the following chemicals in all media when contaminants are unknown or not well documented at a contaminated site:

  • PFNA,
  • PFOS,
  • PFOA,
  • GenX chemicals, and
  • 2,3,7,8-tetrachlorodibenzo-p-dioxin.
2026-06-24T05:00:00Z

Nevada adds requirements for hazardous waste recyclers

Effective date: June 8, 2026

This applies to: Hazardous waste recyclers

Description of change: The State Environmental Commission adopted regulations to add requirements for entities that recycle certain hazardous waste, including compliance with:

  • Certain federal requirements;
  • Local zoning requirements, if applicable;
  • Specific reporting and notification requirements; and
  • Other particular regulations of the commission.

The rules also:

  • Exempt owners and operators of certain facilities that recycle certain hazardous materials without storing those materials before they’re recycled from the above requirements, and
  • Add fees for written determinations (required to construct or operate a facility or mobile unit for hazardous waste recycling) and for the facilities that recycle certain hazardous materials without storing those materials before they’re recycled.
2026-06-24T05:00:00Z

California adds TPhP nail products to Priority Products list

Effective date: October 1, 2026

This applies to: Nail products containing triphenyl phosphate (TPhP) at concentrations greater than 250 parts per million (ppm)

Description of change: The California Department of Toxic Substances Control added nail products with concentrations of 250 ppm or more of TPhP to the Priority Product list, making the substance subject to the Safer Consumer Products (SCP) Regulations.

By November 30, 2026, manufacturers must submit a Priority Product Notification. By March 30, 2027, manufacturers must submit:

  • A Chemical Removal Intent/Confirmation Notification,
  • A Product Removal Intent/Confirmation Notification,
  • A Product-Chemical Replacement Intent/Confirmation Notification, or
  • A Preliminary Alternatives Analysis Report or alternate reporting options.
2026-06-24T05:00:00Z

Indiana adds permanent underground carbon dioxide storage rules

Effective date: June 10, 2026

This applies to: Entities that seek to participate in carbon sequestration projects

Description of change: The Natural Resources Commission adopted rules for permanent underground carbon dioxide storage, establishing:

  • The applicability of carbon sequestration projects, and
  • The rules for the Department of Natural Resources issuing involuntary integration orders and certificates of project completion.

The rules impact entities seeking to participate in carbon sequestration projects under IC 14-39. The regulations also affect pore space owners and surface owners.

See More
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