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Welcome, We lead off this month's edition with some new data from DAT Solutions. Year-over-year, spot load posts are up 65%. Alongside that trend, spot truck posts are down 23%. All-in spot rates continued to climb but not at the same pace as recent surges in diesel costs. Meanwhile, increased load posts on the DAT One network signal that capacity is tightening. At the same time, fuel prices have increased 45%. Now is the time for prudent and strategic fleet management practices. On the NEMT front, the S.W.A.N. team will attend the annual NEMTAC Transform conference in August. We'll be continuing our "NEMT Thought Leaders" interview series. You can check out these highly informative segments on our YouTube channel. And, if you're planning to attend, make sure to stop by our booth #238 - we'll be shooting new videos, so stay tuned and email Pilar from our NEMT team if you're interested in participating. For fleets involved in cross-border transportation, we've developed a detailed look at how to handle Driver Qualification Files in the event of an accident, especially if it occurs in California. The cost of a compliance review is insignificant compared to the cost of a single negligent hiring allegation in front of a California jury. You can access the guide and learn more here. The S.W.A.N. cross-border team recently sponsored the Hole-In-One prize at the Agramont Classic at the seaside Torrey Pines Golf Course in La Jolla, California. Agramont Worldwide Logistics is an asset-based provider and 4PL partner moving freight across the United States, Mexico and Canada. Its owned fleet, vetted carrier network and bilingual 24/7 team enable the company to provide shippers with guaranteed capacity, real-time visibility and cross-border peace of mind. We thoroughly enjoyed spending time with industry partners, colleagues and friends and we look forward to supporting the tournament again next year. In other cross-border news, we attended an important panel discussion hosted by the Otay Mesa Chamber of Commerce. The topic was "Cabotage Clarifications and Potential FAST Driver Pilot Program." Participants included federal and state leaders responsible for cross-border trade and transportation operations. Below, you'll find an update on our DRIVE program, guidance on the insurance underwriting and renewal processes, and the 2026 Mobility Champions Symposium co-hosted in Indianapolis by BraunAbility and The Transportation Alliance (TTA). Until next month, we appreciate your being part of our S.W.A.N. community. We welcome your input on how we can support you as you grow your business. As always, we're here to help you Sleep Well At Night. Simply reply to this email or contact us online by clicking here. Thank you, Chris Mahlberg, TRS Founder & Owner S.W.A.N. Insurance Call: 858-381-3108 | Visit: swan-ins.com | Connect: LinkedIn

I in DRIVE Builds Strategic Foundation It's time to take a look at the "I" in our DRIVE initiative designed to assist you in positioning your fleet in a positive light with insurance underwriters. The result can be both better rates and better coverage. "I" stands for Insurance Strategy, a fundamental aspect of the program. With insurance companies being more selective than ever, they have the luxury of taking on only the best of the best of potential customers. We see strategic preparation for fleets as a three-part effort: • Building your underwriting      narrative over time • Preparing documentation      incrementally • Positioning as profitable,      well-managed and safety-driven The key is not waiting until a month before renewal time to gather the information you'll need. Our solution is a structured, 90-day process to improve your risk profile, tighten your operations and craft a compelling story. Bottom line? The financial benefits of the DRIVE approach can be substantial, to the tune of $125,000 to $245,000 in total estimated annual operational impact. We're happy to tell you more about the potential impact of this program for your fleet. We're happy to share more about the potential impact of this program for your fleet. Learn more at the link below and contact us when you're ready to discuss.

Underwriting, Renewal Processes Explained Extending our coverage of the cross-border world, we recently created two informative guides designed to educate fleets on the insurance underwriting and renewal processes. The goal is to be positioned competitively and sought after by insurance carriers. Here are some highlights: Underwriting - Download Now • Safety, compliance and CAB data • Loss history and claims handling • Driver demographics and stability • Operational maturity and authority profile • Equipment profile and maintenance discipline • Tech, controls and risk feedback loops Insurance premiums reflect factors like measurable risk signals, trend behavior and operational discipline. We can help you be ready when commercial underwriters are evaluating your fleet. Renewals - Download Now • Data correction and narrative control • Market submission • Evaluation and structure • Finalization • Continuous risk management We'll take you through a six-month, phased renewal process so you can avoid limited options and overpriced policies. This may all seem a bit overwhelming, but with careful planning and S.W.A.N. experts at your side, you'll know you're well prepared.

BraunAbility Co-Hosts Mobility Symposium Our Director of Transportation and NEMT Lead, Marc Crawford, recently attended the 2026 Mobility Champions Symposium co-hosted in Indianapolis by BraunAbility and The Transportation Alliance (TTA). The event brought together mobility leaders and advocates for two days focused on accessible transit innovation and hands-on demonstrations. Attendees explored rehabilitation and mobility ecosystems, including tours of the Driven NeuroRecovery Center and NeuroHope. Participants also visited BraunAbility's Winamac, Indiana, production facilities to see accessible vehicle and lift engineering firsthand. And industry panels highlighted strategies for improved NEMT practices and ADA-compliant vehicle operations. Capping the event was a celebration at the famed Indianapolis Motor Speedway. We had a great time socializing and taking a few laps around the historic circuit with clients.

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