Program Analytics
Forge Trucking Program
The book at a glance — written premium, policy volume, and claims experience across 7 policy years.
Policy Years 2019–2025
As of Dec 31, 2025
Auto & GLPY 2019–2025
Scope by policy year
Written Premium$461.7M7 policy years
Total Units30,95211,594 policies · 39 states
Total Claims9,6191,298 currently open
Overall Loss Ratio56.1%incurred ÷ written premium
Avg Claim Severity$26,911incurred per unique claim
Open Reserves$73.9M1,298 open claims
Auto & GL Policies95.4%4.6% Auto & GL +
Peak Premium Year$84.8M2021 — 2,148 policies
Premium & Unit Volume by Year
Written premiumUnit count
Loss Ratio by Year
<60%60–68%≥68%
2019
53.8%
2020
48.0%
2021
53.8%
2022
63.8%
2023
70.7%
2024
67.5%
2025
33.8%
All years56.1%
Claim Severity by Year
avg incurred / claimClaims Analytics
Claim Volume by Year
Claim Duration Distribution
closed · avg incurred0-30d
1,588$2K
31-90d
2,141$4K
91-180d
1,901$6K
181-365d
1,643$12K
1-2yr
962$40K
2yr+
664$111K
Open Claims Reserve Tail
open count · reserves20199
$400K
202016
$2.8M
202142
$5.1M
2022109
$7.9M
2023213
$14.9M
2024549
$30.4M
2025360
$12.4M
Total open reserves$73.9M
Portfolio Composition
Account Size Distribution
by fleet units · 6,887 policies1 unit
63.5%4,372
2–3 units
17.2%1,188
4–5 units
6.0%413
6–10 units
5.3%366
11–25 units
4.4%303
26–50 units
2.2%154
51+ units
1.3%91
Incurred Development
PaidReserve