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Fleet Truck Insurance

Fleet truck insurance bundles coverage for all your commercial vehicles under a single program, cutting administrative overhead and unlocking volume-based pricing that individual policies cannot match. For fleets of 10 or more trucks, we build custom programs that consolidate liability, physical damage, cargo, general liability, workers compensation, and umbrella coverage into one package with one renewal date, one dedicated claims team, and one broker who knows every truck in your fleet. Full Coverage works with 30+ A-rated carriers that specialize in fleet accounts — including programs designed specifically for 10-25 truck operations, mid-size fleets of 25-100 units, and large enterprise fleets with 100+ power units. We negotiate fleet-tier pricing, implement safety program credits, and structure deductible strategies that reduce your total cost of risk, not just your premium.

What's Covered

Single policy covering all power units and trailers in your fleet
Volume discounts that increase at 10, 25, 50, and 100+ unit tiers
Flexible add/remove vehicle endorsements as your fleet changes
Combined liability, physical damage, cargo, and GL options
Fleet safety program discounts (cameras, ELDs, training programs)
Dedicated fleet claims handling with direct adjuster access
Loss control consulting and driver risk management
Certificate of insurance management for all your contracts
Umbrella and excess liability up to $10M+
Workers compensation with experience mod consulting

Who Needs Fleet Truck Insurance?

Trucking companies operating 10 or more power units that want fleet-tier pricing, simplified administration, and dedicated claims support. Whether you run a regional flatbed fleet, a national dry van operation, or a specialized heavy haul company, fleet insurance programs deliver better rates, faster service, and risk management tools that individual policies cannot provide. Growing companies benefit the most — adding a new truck to your fleet policy takes a single phone call, not a new application.

Frequently Asked Questions

Fleet insurance typically costs $5,000-$12,000 per truck per year, with per-unit costs decreasing as fleet size increases. A 10-truck fleet might pay $8,000 per unit while a 50-truck fleet could pay $5,500 per unit for comparable coverage. The total depends on your fleet size, cargo type, driver records, claims history, and operating radius.
Most carriers start fleet pricing at 3-5 power units, but the best fleet rates kick in at 10+ trucks. At 25+ units you unlock mid-market programs, and at 50-100+ you access large fleet programs with the most competitive pricing and dedicated underwriting teams.
Yes. Fleet policies are designed for flexibility. When you add a truck, we endorse it onto your policy with a single phone call. When you sell or park a unit, we remove it and you get a pro-rated premium credit. Most changes take effect the same day.
No. Within a fleet policy, different units can carry different coverage levels. Newer trucks might carry full physical damage while older units carry liability only. Specialized equipment can have custom valuations. We tailor coverage to each vehicle's value, age, and use.
Many carriers offer 5-20% premium discounts for fleets that implement safety programs including dash cameras, ELD compliance, driver training programs, regular vehicle maintenance schedules, and drug testing protocols. We help you identify which programs qualify for the biggest discounts with your specific carrier.
Fleet policies cover the vehicles, not individual drivers. When you hire a new driver, you add them to the policy through a simple driver schedule update. The carrier will review their MVR (motor vehicle record) and may adjust your rate based on the driver's history, but coverage is not interrupted.
Your experience mod (X-mod) is a multiplier applied to your workers compensation premium based on your actual loss history compared to similar operations. A mod below 1.0 means you pay less than average, above 1.0 means you pay more. For large fleets, managing your X-mod through safety programs and return-to-work programs can save tens of thousands of dollars annually.
Yes. We are licensed in 47 states and work with carriers that write nationwide fleet programs. Whether your trucks run regional routes in 5 states or cross-country in 48, we structure a single fleet policy that covers all operating territories with one premium and one renewal.
Fleet programs from top carriers include loss control consulting — safety audits, driver training resources, accident investigation support, and CSA score monitoring. Some carriers provide on-site safety consultants for fleets of 25+ units. These services reduce claims frequency and help you qualify for lower rates at renewal.
We make switching easy. Give us your current policy declarations pages and loss runs (claims history). We shop your fleet across 30+ carriers, present you with competing quotes, and handle the entire transition — including filing new BMC-91s, updating certificates, and notifying your shippers and brokers. Most transitions happen at your current policy's renewal date with zero coverage gaps.

Get a Fleet Truck Insurance Quote

We compare rates from 30+ carriers to find the best fleet truck insurance coverage for your operation.

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