Clear Path Verify
How it works What we verify Pricing FAQ Who we are Claims & Risk Guides Request a verification
Per-load carrier cargo risk management

Catch the coverage gap before the load moves.

Onboarding platforms score a carrier once. Your exposure is per load. Clear Path Verify confirms the specific driver and vehicle on this load are on the carrier's active cargo policy, straight with the insurer the day it moves. We'll also check any endorsements, exclusions, or sub-limits you flag, so you tender on current facts instead of assumptions.

Request a verification See how it works No platform to install, no contract to start. On demand, so your freight keeps moving.
View the full sample report
What one verification does

Reduces your exposure

Surfaces a coverage gap on this load while you can still swap the carrier or require updated coverage.

Protects the margin you booked

Keeps the profit on a load from riding on a policy nobody confirmed.

Documents your diligence

Adds a time-stamped, third-party record to your file, the evidence that carries weight if a claim is contested.

The gap between what's booked and what's covered is where the loss lives. We put it in front of you while you can still act.

The risk has moved
$725M
in estimated U.S. and Canada cargo-theft losses in 2025, a 60% jump from 2024. Losses topped $359M in the first half of 2026 alone.
+25%
jump in the average value per stolen load from 2025 into the first half of 2026, as organized groups target fewer, higher-value loads.
The dock
is where it breaks. CargoNet warns criminals are compromising carrier accounts on the compliance platforms brokers use to vet carriers, and the FBI issued a 2026 alert on carrier impersonation. A live check with the insurer sits outside both.

Sources: Verisk CargoNet, 2025 annual analysis and 2026 mid-year update; FBI PSA, April 2026. NICB estimates cargo theft costs the U.S. economy roughly $35 billion a year.

The math on one load
~$300
a typical broker margin on the load you're covering
$341,518
the average stolen load in H1 2026, per Verisk CargoNet
$35
the check that confirms the coverage under it, as low as $35 in a pack

One uninsured loss can erase the margin on dozens of loads. The check costs a fraction of the margin on one.

What makes us different

Carrier checks tell you who you booked. We tell you who's covered to show up.

Automated platforms vet a carrier's authority and history at onboarding. None of them confirm, in real time, that the driver and truck on a single load are on the policy. We do, because we pick up the phone. Onboarding vs. per-load verification ›

Per-load driver & vehicle verification, in real time

For the load you're tendering today, we confirm the assigned driver and power unit are listed on the carrier's active cargo policy, and we put any policy-specific questions you have, endorsements, exclusions, or sub-limits, to the insurer. Not a carrier you onboarded six months ago: the truck rolling now.

Confirmed with the insurer, not an inbox

We confirm with the insurance company itself, one of the hardest sources for a fraudster to spoof. Harvested credentials and lookalike emails rarely survive a live confirmation.

Independent, on demand, no platform to adopt

An arm's-length third party, not a seat or license you carry whether you use it or not. Request one when you need it, or set up a plan as your volume grows.

Yes, we actually call.

The industry treats the phone call as the slow, old way. We treat it as the moat. Automation is what fraudsters learned to slip past; a live human confirmation is what they can't scale around.

Clear scope

What we verify, and what we don't.

We keep our scope deliberately tight, so you know exactly which risk this control addresses and which it doesn't. A verification is a check, not an insurance policy: it doesn't replace any contingent cargo coverage you carry yourself, it confirms what's underneath the load, not a layer on top of it. If you need something specific confirmed on a policy, an endorsement, a sub-limit, or a condition, ask on the request form and we'll put the answer in your report.

What we verify

  • Whether a carrier's cargo legal liability coverage is active
  • Whether the cargo limit meets the minimum you specify
  • The policy's status and current term dates
  • Whether the driver and vehicle you provide are listed on the policy
  • Cargo-specific endorsements, sub-limits, exclusions, and policy conditions you ask us to check
  • Confirmed directly with the insurer wherever possible

What we don't verify

  • Automobile liability, general liability, or workers' comp
  • Carrier identity, authority, or safety history (that's onboarding)
  • Broad fraud investigation, KYC, or carrier background checks
  • Which driver or truck will actually arrive at pickup
  • Whether coverage stays in force after we verify
How it works

Four steps, no documents to upload.

You send a few details from the carrier's certificate of insurance. You keep the document. We do the rest.

1

You submit the load

Carrier, policy number, the minimum limit you need, and the driver and vehicle assigned. A minute from your COI, no files to send.

2

We confirm at the source

We contact the insurer directly to confirm the policy is active, meets your limit, and lists the driver and vehicle you provided.

3

You get a report

A clear written report of exactly what was confirmed (status, limit, driver, vehicle) and how we checked. Valid for 24 hours.

4

You decide, informed

Tender, swap carriers, or ask for updated coverage. If a dispute ever needs it, the Source Record (the correspondence and contact log) is available on request.

A pre-tender control

A control point in your carrier risk process, before exposure attaches.

A carrier's cargo policy is the risk transfer your load rides on, and your margin and paper trail both depend on whether that transfer is real. A verification tests it before exposure attaches.

To be clear about what this is: Clear Path Verify confirms facts and documents what was checked. Because it confirms the specific driver, power unit, and policy directly with the insurer, it helps significantly mitigate the fraud and theft exposure that comes from an uninsured or unlisted party on a load, though it does not completely eliminate that risk, guarantee coverage, or decide who is liable. Those outcomes depend on the facts and law of each dispute. How the record is used is for you and your advisors.

Why it matters

Why a certificate and a federal database aren't enough.

Most brokers judge a carrier's cargo coverage on two things: the certificate the carrier sends, and whatever a federal lookup shows. Neither tells you what's in force today.

A certificate is a snapshot

A COI reflects one moment, the day it was issued. It can be weeks stale, and it says nothing about whether a specific driver or power unit is scheduled on the policy today.

The data gap is real

Carriers are no longer required to file cargo-insurance evidence with the FMCSA, so federal databases show little or none, which makes independent verification with the insurer the practical way to confirm coverage per load.

A policy can be valid on Monday and cancelled by Wednesday. Confirming at the source is the closest you get to knowing what's true the day you tender.

First page of a Clear Path Verify sample verification report, showing confirmed coverage, designated driver, power unit and additional notes. Actual sample report · PDF
What you get back

A clean, written report you can keep.

Every verification comes with a plain, factual report, with no jargon and no interpretation. Just what was confirmed, and how.

Coverage status, limit, and policy dates in plain terms
Driver and vehicle confirmation, when requested
The source and method, recorded on every report
The policy, limit, driver, and power unit on the load, already documented if you ever need to file a claim
Source Record (the correspondence and contact log) available on request
Download sample report (PDF)
Turnaround

Fast when it counts, and honest about the clock.

Verification moves at the speed of a load. Here's what to expect on timing.

Same day

Most verifications

When the insurer is reachable, we return completed verifications promptly, typically the same business day you submit.

~2 business days

If a carrier is hard to reach

If the insurer or agent doesn't respond right away, we make a second attempt over a short window before reporting back.

24 hours

How long a result is good for

A completed verification is valid for 24 hours. After that, request a fresh one before tendering again to that carrier.

Why 24 hours? A verification confirms what was true at the moment we checked. Insurance coverage and driver/vehicle assignments can change afterward. A policy can lapse, or a different truck can be assigned, and that's outside our control. The 24-hour window keeps your confirmation close to the moment of tender, so you're acting on current information.

FAQ

Common questions.

How is this different from a carrier onboarding platform?
Onboarding platforms vet a carrier's identity, authority, and history when you first set them up. We confirm something different and load-specific: that the driver, vehicle, and cargo coverage on a particular load are active and on the policy, verified at the time of tender. The two are complementary: we cover the part that happens at the dock.
Do I need to verify every load?
No, and most operations don't. The loads that warrant a check tend to sit high on two things at once: how much a loss would cost you, and how little history you have with the carrier. High-value, easily resold freight, an unusually good rate, or a load that will sit over a long weekend raises the first. New authority, a carrier you've run only once or twice, or a driver or truck swapped in at the last minute raises the second. When a load is high on both, confirming the coverage and the assigned driver and vehicle before you tender is the step that earns its keep. If you move high-value freight exclusively, that first factor is effectively constant, so the deciding question becomes the carrier, and verification tends to fit as a standing step on newer or less-familiar ones. CPV confirms facts and documents what was checked; it doesn't set your risk tolerance for you.
Do I have to upload my certificate of insurance?
No. You keep your COI. You enter a few details from it (chiefly the policy number) and we verify directly with the insurer. Keeping documents on your side reduces everyone's data exposure.
Doesn't the carrier's MCS-90 already cover this?
No, and this is one of the most common gaps we see. MCS-90 is a federally required endorsement on a carrier's auto liability policy (49 CFR Part 387). It's a public-protection backstop: if the carrier is at fault in an accident and their liability policy would otherwise deny the claim, MCS-90 forces the insurer to pay a third party, bodily injury or property damage, up to the required minimum, with the insurer typically entitled to seek reimbursement from the carrier afterward. It has nothing to do with your freight. It doesn't respond to cargo loss, damage, or theft, and it isn't a substitute for the carrier's separate cargo legal liability policy, which is the coverage a load's value actually depends on. Seeing "MCS-90" on file tells you the auto liability box is checked. It tells you nothing about whether the cargo itself is covered, which is exactly the gap a verification closes. Full explainer: does MCS-90 cover cargo ›
Does the carrier need to know I'm checking on them?
Yes, and it's routine, not adversarial. We confirm coverage directly with the carrier's insurer or agent under an authorization the carrier has already given, through your standard carrier paperwork or a short release we can supply. A carrier with active coverage has nothing to lose by confirming it. If a carrier resists or can't produce that authorization, that's useful information on its own.
What if the driver or truck changes after you verify?
We confirm the driver and vehicle you provide are on the policy as of the time we check. We can't know who will actually arrive. Only you can confirm that for the load. If the assignment changes, request a fresh verification before tendering.
How fast will I get a result?
Most verifications come back the same business day; if a carrier's insurer is hard to reach, we make a second attempt over about two business days before reporting back. It isn't meant for every load, so use it where the risk sits. And a call beats waiting on paperwork: a certificate can take a while to arrive, and one that comes secondhand can be altered on the way, while a confirmation at the source reports what's in force on a timeline that keeps pace with a tender. See turnaround for details.
Does a verification guarantee I'm covered or protected from a claim?
No. We confirm facts and document what was checked, so a verification is a risk control: it surfaces coverage gaps before tender, and the record supports your diligence file. Because it confirms the driver, vehicle, and policy at the source, it helps significantly mitigate fraud and theft risk, though it doesn't completely eliminate it, guarantee coverage, or decide legal liability. If a loss does happen, that time-stamped record of the policy, limit, driver, and power unit is already in hand instead of being reconstructed weeks later from emails, which can take days out of the early back-and-forth. It doesn't decide the claim, but you aren't starting from scratch.
Single verification or Carrier Monitoring, which do I need?
Depends on the pattern. A single verification is a one-time, per-load check, right for a carrier you use occasionally or don't fully know yet. Carrier Monitoring ($14.99 / carrier / month) is for a carrier you run regularly: instead of paying per load, you get ongoing visibility between loads. We re-confirm the policy is still active and that the driver and vehicle you verified are still on it, and flag any change, so you're not starting from zero on every tender. Many brokers start a new carrier on single verifications, then move it to monitoring once the lane becomes steady.
How much does it cost to verify cargo insurance on a single load?
A single, pay-as-you-go verification is $59.99, and the written report is included, with no subscription and no contract. If you verify regularly, prepaid Verification Packs bring it down to as low as $35 per verification, and new businesses get their first 3 free with Three for Free. For a carrier you run often, Carrier Monitoring is $14.99 per carrier per month. Running steady volume? You can set annual, discounted terms under a Master Services Agreement — see pricing for the full breakdown.

Still have a question? Ask the assistant in the bottom corner, anytime.

Built for brokers, dealerships, and freight shippers.

Brokers & 3PLs

You carry the carrier risk on every load you cover, and your margin rides with it. Get the same per-load control the big players run, without an enterprise platform or a long contract.

Dealerships & shippers

Shipping a vehicle or a load of inventory that matters? It's your money on that truck. We confirm the hauler's cargo policy is active and covers it, before it moves.

Anyone moving freight

If you move freight, you know how fast a clean-looking carrier can turn into a problem at the dock. Onboarding checks alone don't cover that last mile. We do.

Pricing

Pricing that fits how you buy.

Try it free, pay as you go, prepay a pack at a lower rate, or set custom terms for steady volume. The written report is always included.

Three for Free
Free / first 3
New to CPV? Try it before you buy.
  • Your first 3 verifications, on us
  • Written report on each
  • No card required
Start free
Per verification
$59.99 / verification
Pay as you go. No plan, no commitment.
  • Cargo coverage confirmed, report included
  • Driver & vehicle confirmation when you need it
  • You only pay for completed verifications
Request one
Best value
Verification Packs
From $35 / verification
Prepaid CPV-10, 25, 50. Buy ahead, verify all year.
  • Rate drops the more you buy
  • Valid 12 months from purchase
  • Written report on every verification
See packs
High volume
Custom
For brokers, dealerships, and shippers running steady volume.
  • Volume-based pricing
  • Custom terms set in an Order Form
  • Master Services Agreement where it fits
Talk terms
Carrier Monitoring
$14.99 / carrier / month

Between loads, we re-confirm the carrier's cargo policy is still active and that the driver and vehicle you verified are still listed, and report any change.

Source Record
$119.99 / verification, on request

The underlying correspondence and records behind a verification, shareable in a dispute, claim, or audit.

Weigh the cost of a verification against the cost of one uninsured loss. Final pricing and terms are set in your Order Form.

Get in touch

Let's talk.

Questions, or running steady volume? Reach us anytime at info@clearpathverify.com or (682) 377-3591.

This is a general contact form. Please don't send certificates of insurance, load details, or other sensitive documents here. Once we connect, we'll share a secure way to submit verification requests.

Prefer email? Reach us anytime: info@clearpathverify.com
Call us: (682) 377-3591
Hours: Monday–Friday, 8 AM–6 PM Central