Home / Trucking / Small Fleets
Small Fleet Truck Insurance
Every truck you add raises the stakes, and one driver's record can change the price of the whole fleet. We shop the insurance companies that write growing fleets, set up your drivers and units the right way, and recheck your limits and pricing at every renewal as your safety record builds. Call or text and talk through your fleet with someone who knows trucking.
★ 5.0 on Google · Agents Licensed in 10 States
What It Covers
What Small Fleets Coverage Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Auto liability across all your power units
- Motor truck cargo
- Physical damage on owned and financed units
- Trailer interchange and non-owned trailers
- Workers comp for employed drivers
Good to Know
Before You Buy
Every driver and unit you add changes how the fleet is priced. We go through each point with you before you buy.
- Driver records. Insurance companies review every driver's record, and adding a driver with violations can raise the price for the whole fleet.
- Safety scores. Your FMCSA safety scores are public, and insurance companies look at them when they price your renewal.
- Mid-term changes. Adding or removing a truck mid-term changes your premium, so tell us before a new unit goes on the road.
- Hiring standards. Written hiring standards and regular driving record checks help at renewal. Many insurance companies ask about them.
- Cameras and telematics. Some insurance companies give credit for cameras and telematics. Programs vary, so ask before you install.
- Workers comp. Employed drivers usually need workers comp. Owner-operators leased to you often carry occupational accident instead.
Pair It With
Gaps Growing Fleets Often Miss
Your fleet policy covers the trucks and the load. These need their own coverage, and we check for each one when we quote.
Hiring Drivers? Workers Comp Comes Next
Employed drivers usually need workers comp. Owner-operators often carry occupational accident instead.
One Accident Can Go Past Your Auto Limits
A serious crash can lead to a claim bigger than your auto policy. An umbrella adds a layer above it.
Brokers Often Ask for More Than the Minimum
Many brokers ask for higher limits and cargo coverage than the federal minimum. We check before you sign.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Your Personal Cars Need Their Own Policy
Your business policy covers business vehicles. The family cars at home need personal auto, and we can quote both.
Need Certificates Fast?
Clients can request certificates and add or remove trucks and drivers through the Client Center.
Growing Your Fleet?
Final approval and pricing are set by the insurance company.