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Behavioural data now decides which fleets get cover

What profiling adds that raw telematics can’t is a pattern across a workforce, not just a single driver. Consistent fatigue findings, for instance, can point to scheduling, workload distribution or time-on-task limits rather than a string of unconnected bad decisions, and Gallagher Bassett has flagged that economic pressure – longer hours, second jobs, reduced recovery time – can make that pattern more likely to appear.

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