Both sides of the underwriting desk. 22+ years of client relationships. Built from scratch. Proven at every level of this industry.
Brian Dale started young and moved fast. He founded his own agency at 25 — and became the youngest agency owner ever appointed with Great West Casualty. That wasn't luck. It was the result of understanding the underwriting side of this business before most producers ever think to ask about it.
That underwriting background — including time as a Head Program Underwriter with binding authority — is what separates his approach from the transactional world most carriers are stuck dealing with. Brian knows what an underwriter looks at in the first 60 seconds of reviewing a submission, because he spent years being that underwriter.
He also knows the operator side. He founded and ran Smooth Trucking (MC#828973) from 2016 to 2019 — meaning he has held the same authority a motor carrier holds, carried the same liability, and made the same compliance decisions his clients navigate every day.
Today, Brian operates as a retail agent at Legacy Risk Solutions (a BroadStreet Partners company), managing 130+ trucking clients — many of whom have been with him for over two decades. His book runs approximately 30% below market rates with ~40% loss ratios sustained for 9+ consecutive years.
A 3-unit auto hauler came on board and stayed. Through every growth stage — adding units, expanding authority, navigating hard markets, managing claims — the relationship held. What started as a small account became a 100+ unit fleet, with the same advisor in place through every single step.
In 2022, Brian sat down with an owner-operator and helped draft their business plan — not just insurance, but the full operational roadmap for scaling. Four years later that carrier runs 100+ power units. Every stage of that growth had the same advisor structuring coverage, managing risk, and protecting the operation as it scaled.
Hard markets. Soft markets. COVID. Rate spikes. Claims. Compliance changes. Some of Brian's client relationships span more than two decades — not because the price was always the lowest, but because the value was always there when it mattered most.
You shop fuel. You shop tires. You should not shop your insurance agent. Treating agents like commodity vendors teaches them to act like commodity vendors — and costs you market access, relationship quality, and outcomes.
CSA scores, BASIC percentiles, ISS ratings — these are the primary inputs that determine what you pay and who will cover you. Controlling your score is controlling your risk, and controlling your risk is controlling your outcome.
Carriers who work openly with their agents — sharing operations, safety programs, loss history — consistently get better positioning. Underwriters don't just read data. They read narratives. Your agent writes that narrative.
FMCSA data doesn't lie. Carriers listing one unit with hundreds of out-of-state inspections. Dormant authority with active claims exposure. CHIP was built to surface these patterns — for agents, underwriters, and carriers who want the full picture.
Brian works with carriers who want more than a quote. If you're ready to understand your risk, improve your score, and build the kind of relationship that scales with your operation — reach out.
Insurance agent or producer? Contact the CHIP team directly at info@insuranceapps.com