Make safety visible
Driver standards, maintenance records and corrective action give underwriters evidence beyond the loss run.
Trucking Fleet Insurance
Commercial fleet insurance.
A fleet program should reflect how you hire, drive, maintain and manage claims. Not just the number of trucks.
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What we look at.
Price the retained loss
Compare premium savings with the claims, defense costs and collateral the fleet would fund.
Connect the layers
Check primary and excess terms, cargo restrictions and the contracts your fleet accepts.
Commercial Auto Liability
Coordinate the primary liability limit, insured operations and applicable federal or state filings with the fleet's contracts.
Excess and Umbrella Layers
Compare attachment points, underlying schedules and exclusions. Higher layers do not automatically follow every term of the primary policy.
Motor Truck Cargo
Review actual cargo values, commodities, theft controls, temperature exposures and contract requirements.
Physical Damage
Keep equipment values current and compare settlement provisions and deductibles, not just the scheduled amount.
General Liability
Review premises and other non-auto operations. Loading and unloading can raise allocation questions between auto and liability forms.
Trailer Interchange
Match non-owned trailer damage coverage to written interchange agreements and the equipment being handled.
Workers Comp and Occ Accident
Review employee classification and statutory obligations. Occupational accident has different benefits and is not a substitute where workers compensation is required.
Hired and Non-Owned Auto
Assess business liability involving rented vehicles and employee-owned vehicles used for work.
What to bring to a review
Start with vehicle and driver schedules, valued loss runs, operating territory and safety controls.
Questions & answers
Good questions to ask.
Do cameras and telematics guarantee a premium credit?
No. They may support underwriting when connected to driver coaching, maintenance and incident response. Footage can help establish facts but does not guarantee exoneration or a particular claims outcome.
When should a fleet consider a higher deductible?
When loss data and financial capacity support it. Compare premiums, retained claims, expenses and liquidity under both expected and adverse experience. Check contract and excess-policy requirements before changing the retention.
What safety information will insurers consider?
Underwriters may review driver records, inspections, crashes and safety-management practices. Some FMCSA information is not publicly available for all carriers. Present accurate records and explain meaningful changes.
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