The 2015 LexisNexis Commercial Usage-Based Insurance Study has found that more than half of small fleet managers are likely to stay with their current insurance carriers rather than switching if their insurer offers usage-based insurance (UBI) programs. The annual study, conducted by LexisNexis Risk Solutions, also found that 25 percent of commercial fleet managers of all sizes would enroll in UBI, but current usage rates are only at six percent. Deke Phillips, Director, Commercial Insurance, LexisNexis Risk Solutions. Deke Phillips, Director, Commercial Insurance, LexisNexis Risk Solutions.