Fleet Insurance for Trucking Companies
Fleet insurance provides centralized coverage for motor carriers with multiple vehicles. Instead of insuring each truck individually, a fleet program consolidates your coverage under one policy with volume discounts, simplified administration, and consistent terms across your entire operation.
Coverages we place
- Primary liability for all fleet vehicles under one policy
- Physical damage with fleet-wide deductibles
- Motor truck cargo for the entire fleet
- Hired and non-owned auto
- Trailer interchange coverage
- Driver management and safety program support
Who needs this coverage
Trucking companies with 5+ power units. Fleet programs become increasingly cost-effective as your operation grows. Whether you run regional routes or long-haul operations, fleet insurance simplifies your coverage and often reduces per-unit costs.
What drives your premium
- Fleet size (larger fleets = better per-unit rates)
- Driver records across the fleet
- Safety programs and CSA scores
- Equipment age and maintenance records
- Claims history and loss ratios
Common exclusions
- Vehicles not scheduled on the fleet policy
- Drivers not meeting policy requirements
- Criminal acts and intentional damage
- Non-permitted cargo types
Frequently asked questions
How many trucks do I need for fleet insurance?
Most carriers define a fleet as 5+ power units, though some programs start at 3 trucks. The more units you have, the better your per-truck rate typically becomes.
Can I add and remove trucks from my fleet policy?
Yes. Fleet policies allow you to add, remove, and replace vehicles throughout the policy term. We handle endorsements quickly so your new units are covered immediately.
Related coverage
Get a free quote or call (321) 206-8035.