Stower reconstructs every insured carrier's risk trajectory and flags the accounts heading toward a loss — weeks before the public safety record catches up. Your underwriters act while there's still a decision to make.
Monitoring tools tell you a carrier's status changed after it already posted. Stower models where each carrier is heading and surfaces the few that matter — early enough to act.
Point-in-time reconstruction of each carrier's history, reading movement instead of a static snapshot.
Flags deterioration before it surfaces in the FMCSA record — the lead time that turns insight into a decision.
A short, ranked worklist from a book of thousands — where expert attention produces the greatest return.
Every flag arrives with its drivers, so an underwriter sees why an account rose — not a black-box score.
Reads from the systems you already run — policy, claims, loss-control — and does the joining itself. No new habits.
Shared behavioral priors stay non-competitive; your claims and outcomes stay in your private layer.
Stower sits on top of the data you already hold and turns it into one continuous view of where your book is heading.
# the whole insured carrier book book → reconstruct_history() # point-in-time → model_trajectory() # where it's heading → rank_by_expected_loss() # the few that matter → explain(drivers) # why it rose → worklist.json # prioritized, this week
Earlier warning is only worth the decision it changes. Stower is measured on how far ahead of the public record it flags real deterioration — validated against outcomes, not asserted.
Illustrative scenarios showing where trajectory beats status. Replace with real, anonymized results as you gather them.
An account cleared every static rule — no recent claim. Stower saw the out-of-service rate accelerating and a clean-inspection streak ending, matching carriers that later produced severe losses.
Loss-control specialists were spread evenly across the book. Stower concentrated their week on the accounts where intervention actually changes the trajectory — and quieted the ones stabilizing on their own.
Start on a slice of your book with read-only access. Prove the lead time, then expand. Priced on book size, not per seat.
Prediction on a defined slice of your book. Read-only. Prove lead time before anything else.
The full early-warning engine across your entire in-force book, priced by book size.
Prediction plus full system integration and the intervention-outcome learning loop.
Monitoring tools alert you when a carrier's status changes in the public FMCSA databases — the event has already happened. Stower reconstructs each carrier's history point-in-time and forecasts deterioration before it posts to that record. The difference is lead time: enough of it to change a renewal, pricing, or intervention decision while the decision is still open.
The pilot runs on public carrier history plus a read-only roster of the book you want scored — no claims data and no write access required. Deeper capabilities (impact measurement, the learning loop) come later, once you choose to connect claims and loss-control systems.
No. Stower reads from the systems you already run and reconstructs the intervention-to-outcome link itself. There are no new habits to adopt and no manual data entry — the platform does the joining.
Shared behavioral priors are built from public carrier history and stay non-competitive. Your claims, outcomes, and book-specific results live in a private layer that tunes the model to your book without exporting anything to a competitor. Your data never trains a rival's book.
Lead time is measured against outcomes, not asserted — how far ahead of the public record a real deterioration was flagged, reported with intervals against matched comparable accounts. The pilot exists precisely to establish that number on your own book before you commit further.
A defined slice of your book scored for 90 days: continuous trajectory modeling, a ranked weekly worklist with explained drivers, and a lead-time validation report measured against what actually happened. Read-only, your data stays in your control, and it's designed to answer one question — does the early warning hold up on our accounts.
Run Stower on a slice of your book, read-only, for 90 days. See how far ahead of the public record it flags real deterioration — before you connect a single other system.