As it pertains to the factors that influence the insurance, a number of variables are at play. It comes from specifically the driving history. Are they a safe driver? Have they had a lot of accidents? What type of training have they received? What type of vehicle are they operating? What types of goods and services are they dealing with? Are they transporting dangerous goods? Are they transporting consumable goods, such as fruit? There are different levels of risk. That will help inform the insurer as it pertains to developing a risk profile for the truck driver. Those are just some of the variables.
Of course, for our members, each company will have its own approach to underwriting. We would not be able to to comment generally about how insurers do it. Each company does it differently. Generally speaking, a broad number of variables would influence that risk.