What is Highway?

 In the fast-moving world of freight, risk is everywhere. From double brokering scams to carriers with hidden insurance exclusions, one weak link in the chain can result in financial disaster. For years, brokers and shippers relied on manual checks and outdated systems to verify carriers, leaving them vulnerable to fraud and costly claims. Enter Highway—a revolutionary compliance platform that’s changing how the entire freight industry manages risk and how insurance rates are determined. 

Imagine this: a broker assigns a load worth $250,000 to a carrier who looks legitimate on paper. But in reality, this carrier is a shell company set up to commit fraud. Days later, the freight vanishes—stolen without a trace. The broker faces angry clients, potential lawsuits, and skyrocketing insurance premiums. This scenario isn’t rare—it’s happening every day.

Or take another case: a carrier has a Motor Truck Cargo policy, but hidden in the fine print are exclusions for high-value electronics and reefer loads. A broker, unaware of these exclusions, assigns a sensitive shipment to this carrier. When the worst happens—cargo theft or spoilage—the claim is denied, and the broker is left holding the bag.

Highway’s platform works like a digital detective, constantly verifying and monitoring carrier data across multiple sources. Here’s what makes it game-changing:

• Carrier Identity Engine: Verifies carrier legitimacy in real time, flagging potential fraudsters and double brokers before they touch a load.
• Load Lock: Monitors each shipment’s compliance throughout its journey, using advanced tracking tools and digital footprints to ensure the carrier stays legit.
• Exclusion Intel: Dives deep into cargo insurance policies, highlighting critical exclusions that brokers often miss—like a policy that won’t cover electronics, alcohol, or hazmat shipments. 

This wealth of accurate, up-to-date information directly influences insurance rates. Carriers and brokers who work within a system like Highway’s are statistically less likely to face claims related to theft, non-payment, or coverage gaps. As a result, insurers view these operations as lower risk, which leads to lower premiums and more favorable terms.

Let’s break it down:

• When a broker uses Highway, they dramatically reduce the chance of hiring a fraudulent or non-compliant carrier.
• With verified, risk-mitigated shipments, the entire supply chain becomes more stable.
• Fewer claims mean insurers aren’t forced to raise premiums across the board to cover losses.
• As a result, insurance rates for the whole industry improve—especially for brokers and shippers who can prove they’re using advanced compliance tools like Highway.

This isn’t just theory. Since launching, Highway’s Load Lock has protected over 5 million shipments with zero major cargo theft incidents. That level of prevention changes how insurers calculate risk—and how much they charge.

In today’s freight landscape, data is power. Highway gives brokers, shippers, and insurers the data they need to prevent fraud, reduce risk, and stabilize insurance markets. As more brokers adopt tools like Highway, the ripple effect is clear: lower claims, fewer disputes, and ultimately, lower insurance rates for everyone who plays by the rules.

For brokers who want to protect their business—and for insurers looking to reward smart, compliant operations—Highway is becoming the gold standard in risk management.