trucking insurance
Trucking Insurance for Trucking Companies
Once you have more than one truck, insurance stops being one policy and becomes a program: units added and removed, drivers to approve, certificates for every broker. We set that up and keep it running.
Coverage for a fleet
- Auto liability on a scheduled or reporting basis.
- Cargo sized to your highest-value loads, with reefer breakdown if you run temperature-controlled freight.
- Physical damage with deductibles you choose per unit.
- General liability for your yard, shop and office.
- Umbrella or excess liability when contracts call for more than $1,000,000.
Driver approval and MVRs
On a fleet policy every driver has to meet the carrier's guidelines, usually based on age, CDL experience and recent violations. We check MVRs before you hire, so you know up front whether a driver can be added.
Safety scores matter
Underwriters pull your FMCSA safety record. Out-of-service rates above the national average, open OOS orders or a high Inspection Selection System (ISS) score can limit which carriers will quote. If your scores are rough, we will tell you honestly which markets are realistic and what to fix before renewal.
Paying for a fleet policy
Most fleets finance the premium with a down payment and monthly installments. Paying in full can save money with many of our carriers, and we always show both options side by side.
Trucking Insurance for Trucking Companies by state
Frequently asked questions
How many trucks do you insure?
We work with single-truck owner-operators and growing trucking companies. Tell us your unit count and we will match you with carriers that write fleets your size.
Can I add a truck mid-term?
Yes. Send us the VIN and stated value and we will add it with the carrier, usually the same day.
Should I quote new drivers before I hire them?
Yes. Some carriers price driver additions after binding unpredictably, so we prefer to quote trucks and drivers together up front.