Trucking Insurance · Fleets (5+ Trucks)
Five trucks or fifty — scheduled auto liability, cargo, physical damage and excess for California motor carriers, placed with the fleet markets that pay for clean loss runs, telematics and a real safety program.
A fleet is not priced off a table. Underwriters read three to five years of loss runs, your SAFER and CAB scores, the driver roster, the lanes and the telematics data, and the carrier that presents all of that well gets the better number. That is the job. We build the submission — loss summary, unit schedule, driver list with hire dates and MVRs, a safety narrative that explains what changed after any claim — and take it to the fleet markets we have in California at the same time, so you see options side by side instead of one quote and a shrug.
Once you are written, the service is built for a growing operation: units added mid-term without re-shopping the policy, monthly reporting forms when the schedule changes every week, certificates from a 24/7 portal your dispatchers can use, and BMC-91X and MCS-90 filings handled the day anything changes. Fleets with a claim or two are welcome — tell us the story and we will find the market that will listen.
$1M primary with federal filings, rated per unit on the fleet's own experience rather than a new-venture table.
$1M–$5M excess layers for Amazon Freight, Walmart, port and shipper contracts that ask for more than primary.
Scheduled or blanket cargo with high limits, reefer breakdown, and the additional-insured wording your biggest customers require.
Fleet-rated stated value with composite deductibles, loss payees for every lender, and gap on financed units.
The $1M/$2M GL and hired/non-owned auto that warehouse leases, terminals and shipper packets call for.
Occ acc for leased owner-operators and workers' comp for employee drivers through our partner markets.
Most California markets treat five or more power units as a fleet and rate it on the operation's own loss experience; at ten units more carriers open up, and at twenty-five the pricing, deductibles and loss-control conversation change again. A new venture with five trucks is still a new venture — the fleet pricing arrives with the loss runs.
On experience: three to five years of loss runs, driver quality and turnover, radius and lanes, commodities, the value on the schedule and whether you run telematics or cameras. Per-unit rates generally come down as a clean fleet grows, because the underwriter has more of your own history to rate instead of an industry average.
Yes. Underwriters expect claims on a fleet; what they want is the story — what happened, what changed in hiring, training or equipment afterwards, and the trend since. We write that narrative into the submission and take it to the markets that write improving fleets rather than only spotless ones.
Yes. BMC-91X and MCS-90 filings go in the day we bind and the day anything changes, and your dispatchers get a 24/7 certificate portal, so a broker asking for a COI at 6 am gets it in minutes without calling the office.
Typically two to seven days, because a fleet goes to several markets and each underwriter reads the loss runs and schedule. A complete submission is what makes it fast — the unit schedule, the driver list and the loss runs in hand on day one.
California is home and where our fleet markets are deepest, and we are licensed in 30 states, so a California fleet with terminals in Arizona, Nevada or Texas is one policy, not three brokers.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
“Informative and always available.”
