🚩 Double Brokering Risk Calculator

How to read your double-brokering risk score

Double brokering happens when a carrier or unlicensed party takes a load you tendered and quietly re-brokers it to a different carrier without your authority or consent. When it goes wrong, the original broker can end up paying twice — once to the fraudster who took the load and again to the carrier who actually hauled it — and stays exposed to cargo claims. This tool scores the fraud red flags specific to double brokering so you can catch the warning signs before you tender. It is an awareness aid only — not a fraud determination, not legal advice, and not proof of wrongdoing.

Six signals drive the score. A carrier identity mismatch — where the name or MC on the rate con or invoice does not match the FMCSA-authorized carrier — is the strongest flag. Brand-new authority, a sudden request to redirect payment (a new remit-to, factor, or bank account, especially mid-load), generic or mismatched contact details, a COI whose named insured differs from the carrier actually hauling, and rate-confirmation inconsistencies (a driver swap or a load re-posted to another board) all add weight. Each maps to points; the total normalizes to a 0–100 score.

What the bands mean

• Low risk (0–14): Few or no red flags. Proceed with standard verification.
• Elevated risk (15–34): One or two soft flags. Do a little extra checking before you tender.
• High risk (35–59): Multiple red flags. Re-verify the carrier directly through FMCSA and confirm the COI before tendering.
• Critical risk (60–100): Strong fraud signals. Do not tender until every red flag is resolved.

A high score does not mean fraud is occurring — it means do more verification before you tender. Re-verify authority and contact details directly through FMCSA, confirm the COI with the insurer, and never change a remit-to without written verification.

Awareness aid only. This tool weighs common double-brokering red flags into a single score and does not provide legal, financial, compliance, or insurance advice. A high score is a prompt to do more verification, not a fraud determination and not proof of wrongdoing by any carrier, broker, or party. Always verify carrier authority and insurance directly through FMCSA and the insurer, and seek professional advice before acting.