Fleet insurance works best when vehicles, drivers, losses, safety practices, contracts, and renewal goals are reviewed as one operating picture.
Coverage starts with your operating model.
Underwriters evaluate how equipment, drivers, freight, routes, contracts, and business experience work together.
- Two-unit operations adding capacity
- Small fleets with employed or owner-operator drivers
- Carriers expanding into new cargo or states
- Established fleets preparing for renewal
Build the policy around the actual exposure.
Fleet Auto Liability
Scheduled vehicle protection aligned with operating authority, limits, and contractual needs.
Cargo Program
Cargo limits and terms based on commodities, maximum loads, theft controls, and radius.
Physical Damage
Scheduled values and deductibles for tractors, straight trucks, trailers, and equipment.
Supporting Coverages
General liability, trailer interchange, hired/non-owned auto, and other needs may be reviewed.
Information that helps reduce back-and-forth.
- Current vehicle and driver schedules
- Three to five years of loss information when available
- Safety policies, hiring practices, telematics, and maintenance controls
- Current policies, renewal dates, contracts, cargo, mileage, and revenue
Common mistakes to avoid
- Submitting outdated schedules
- Adding drivers or units without written confirmation
- Waiting until renewal to discuss operational changes
- Treating loss runs as an afterthought
Know what to expect before you submit.
When should a fleet begin renewal review?
Starting well before expiration gives time to update schedules, obtain loss information, explain changes, and compare eligible options.
Can different truck types be covered together?
Sometimes, depending on operations and carrier appetite. Every unit and use must be accurately described.
How can a fleet prepare for underwriting?
Maintain clean schedules, documented safety practices, driver files, maintenance records, and clear loss explanations.
Review My Fleet
Share the details of your operation and documents. A licensed producer will review the request and explain the next step.
Coverage notice: Website content is general information only. Coverage, limits, pricing, eligibility, filings, endorsements, and effective dates require review and written confirmation from a licensed producer or authorized carrier. A website submission does not bind, change, or cancel coverage.