The 2025 Claims Experience Report
Fleet operators are rethinking what they need from insurance providers, and the shift is profound. Our latest report uncovers how the demand for claims excellence, technology-powered claims, and strategic partnerships is shaping the future of commercial insurance.
Report highlights
88%
51%
86%
The claims transformation is underway
This report uncovers the latest trends reshaping the commercial insurance landscape. Backed by insights from fleet decision-makers across the U.S., this report uncovers:
Why claims handling is the top differentiator for choosing a provider, yet significant gaps persist.
How technology is transforming the claims process.
The growing impact of litigation risks and why most fleets remain underprepared.
The shift toward value-driven insurance partnerships over transactional relationships.
Packed with actionable insights and data, this report is a must-read for fleets, insurance providers, and industry leaders looking to stay ahead in a rapidly evolving market.
Methodology
Nirvana Insurance surveyed 100 qualified fleet decision-makers from across the United States in 2025 to understand the evolving relationship between fleet operators and their insurance providers. All participants confirmed direct involvement in fleet safety, compliance, or insurance decisions, ensuring responses reflect real operational experience.