Commercial fleet insurance for trucking operations with 5+ power units. Auto liability, cargo coverage, physical damage, and state & federal filings — all structured for how your fleet actually runs.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
No commitment required · Takes 2 minutes
Fleet policies are tailored to the specific risks of your operation — truck type, cargo, radius, and authority all shape the right coverage mix.
$1,000,000 minimum — higher limits available
Covers bodily injury and property damage you cause to others while operating the truck. Required by FMCSA and most state regulators. The foundation of every fleet policy.
$100,000 – $500,000+ limits
Covers freight in transit if damaged or lost due to a covered cause. Wording is matched to your commodity — general freight, refrigerated goods, steel, and high-value loads all need different language.
Collision + comprehensive coverage
Covers damage to your own tractors and trailers — collision, fire, theft, vandalism, and CAC coverage. Rated per unit with deductible options to match your fleet budget.
Up to $1,000,000 / $2,000,000
Covers business risks not caused by truck operation itself — loading, unloading, premises exposure, and customer-site activities. Required by many brokers and shippers.
$250,000 – $500,000 limits
Physical damage coverage for non-owned trailers and chassis pulled under a written interchange agreement. Required for UIIA and most intermodal operations.
MCS-90, MCF — same-day processing
Interstate motor carriers must file proof of financial responsibility with the FMCSA. We handle MCS-90 endorsements, state UCR filings, and UIIA IANA certificates same-day.
Coverage lineup
Below are some of the many coverages we offer. Availability and limits depend on your operation, equipment, cargo, and underwriting review.
Fleet market access
We can help match eligible fleets with the market programs that fit their operation, territory, equipment, and insurance history.
Program availability
AL, AR, CA, CO, FL, GA, IL, IN, IA, KS, KY, MD, MN, MS, MO, NE, NC, NJ, OH, OK, OR, PA, SC, TN, TX, WV & WI
Program availability
Available in all states except AK, HI, LA, NJ & NY
Program availability
Available in all states except AK, HI, LA, NJ & NY
Program availability
Available in all states except AK, HI, LA, NJ & NY
We also have access to several Risk Retention Group (RRG) programs for fleets. These can be considered when a standard program is not the right fit for the operation or coverage needs.
Program availability, minimum fleet size, eligibility, and final terms are subject to carrier underwriting and may change.
Ancillary lines
These programs support fleets and trucking operations that need coverage beyond primary auto liability.
Availability
Available in all states except AK, HI & NY
Available lines
Physical Damage, Motor Truck Cargo & General Liability
Availability
Available in all states except AK, HI & NY
Available lines
Physical Damage, Motor Truck Cargo & Non-Trucking Liability
Availability
Available in all states
Available lines
Motor Truck Cargo for risks with 20 units or fewer
Availability
Available in all states except AK, HI & NY
Available lines
Physical Damage, Motor Truck Cargo, Non-Trucking Liability & General Liability
Whether you run your own authority, operate under a carrier, or manage a commercial fleet — we write the program that matches how you actually operate.
Own AuthorityRunning your own MC number? We structure auto liability, cargo, physical damage, and all FMCSA filings for your operation — local, regional, or long-haul.
5+ UnitsMixed equipment, multiple drivers, different routes? One fleet policy covers the whole operation. Price indication within 5 business days from multiple A-rated markets.
For-HireMoving freight for others under your authority? We handle primary liability, cargo, and all required state and federal filings — including leased operators and private carriers.
From single-axle box trucks to multi-unit Class 8 fleets — we write commercial truck insurance for a wide range of vehicles and configurations.
Peterbilt, Freightliner, Kenworth, Volvo, Mack, Western Star — all makes and configurations insured.
Medium-duty commercial vehicles for local deliveries, construction, towing, and waste removal operations.
Explore contractor delivery coverage considerations
Container drayage, chassis, and port terminal tractors — including UIIA endorsements and CARB-compliant equipment programs.
All vehicle types we cover
Fleet insurance covers a broad range of commercial hauling operations. The coverage mix is tailored to your specific class, cargo, and authority type.
For-hire & private fleets, medium- and heavy-duty
Commercial Class 1–6, contractors, service fleets
California intrastate fleets face different filing requirements than interstate carriers. FMCSA rules (49 CFR Part 387) govern interstate operations; California's own requirements apply for intrastate authority. We handle both — including CARB compliance documentation for California port drayage fleets.
Agricultural haulers, livestock haulers, hazardous materials / hazmat haulers, petroleum bulk haulers, fracking sand & water haulers, scrap metal / junk haulers, armored car operations, and bus/escort vehicle operations typically require specialized E&S market placement. Contact us — we write hard-to-place classes through surplus lines markets that standard carriers decline.
Add coverage layers to match your fleet's specific exposures — interchange agreements, leased equipment, hired autos, and more.
Limits up to $1,000,000 / $2,000,000
Comprehensive protection for your trucking business operations beyond the truck itself.
Coverage for vehicles you rent, lease, hire, or borrow for business purposes — and for employees using personal vehicles on company business.
Protection for trailers temporarily used in your business without a formal interchange agreement — broader than trailer interchange.
Uniform Intermodal Interchange Agreement Additional Insured Endorsement — required for port and rail drayage operations pulling equipment from UIIA providers.
Higher auto liability limits available for enhanced protection — up to $5M umbrella for fleets with high-value cargo or shipper contract requirements.
Required in most states for fleets with employees. We coordinate workers comp alongside your fleet auto and cargo policy for a unified program.
Truxsurance specializes in commercial fleet insurance for trucking operations. We don't handle personal auto — this is what we do.
Online application with document upload. No back-and-forth — submit once and we handle the market submissions.
Within 5 business days. We submit to multiple A-rated markets simultaneously and return the best indication.
Same-day filing processing. Federal financial responsibility filings issued the same day your policy binds.
Within 1 week of coverage effective date. ID cards, certificate of insurance, and policy documents delivered digitally.
Commercial fleet insurance pricing depends on what you run, how you run it, and your operating history. Two fleets with the same truck count can receive very different quotes based on these factors:
Truck class, year, stated value, and equipment configuration
Local, regional, or long-haul interstate routes
General freight, high-value, refrigerated, hazmat, oversized
CDL experience, MVR records, and driver safety training
Prior claims — both auto and cargo — in the last 3–5 years
FMCSA safety rating, inspection history, and SMS scores
Submission readiness
Fleet pricing and coverage decisions are shaped by how your operation works day to day. A clear submission helps focus the review on the equipment, people, contracts, and risks that matter to your business.
Power units, trailers, stated values, garaging locations, ownership or lease details, and any specialty equipment.
Driver roster, CDL experience, hiring practices, and the records your fleet uses to manage MVRs and training.
Commodities, radius, lanes, customer requirements, subcontracted work, terminals, and contracts that shape exposure.
Current declarations, requested limits, prior claims information, and upcoming renewal timing when available.
The review process
The goal is to make the review useful, not overwhelming. Start with the facts of your operation and build from there.
Start with fleet size, authority, operating territory, equipment, cargo, and the coverage priorities your contracts require.
A complete vehicle and driver picture helps identify missing details before the insurance review begins.
A transportation specialist reviews the exposures, requested limits, and documents needed for the appropriate markets.
You receive a clear explanation of available terms, questions to resolve, and the steps required before any coverage can bind.
Risk management basics
These are practical areas a fleet can organize before a renewal, a new customer contract, or an insurance review.
Good programs make the operational picture easier to understand. They also give your team a consistent way to act as the fleet grows.
A written response plan helps drivers and operations teams preserve the right details during a stressful event. Always follow your carrier’s claim-reporting instructions.
Different operations, different inputs
Equipment alone does not tell the whole story. The freight, customer requirements, terminals, and operating controls around each unit matter too.
General freight
Loading practices, commodity values, handoffs, and customer contracts are all useful context when evaluating cargo and liability needs.
Explore cargo coverage
Reefer fleets
For refrigerated operations, explain commodities, temperature controls, trailer equipment, and any customer documentation requirements.
Explore reefer insurance
Intermodal
Drayage fleets should identify chassis use, terminal access, interchange agreements, and the certificates their partners request.
Explore port trucking coverageFleet insurance questions
Every fleet is different. These answers explain the information that typically makes a first conversation more productive.
Fleet reviews account for the full operating system: multiple drivers, a changing equipment schedule, locations, contracts, safety practices, and the way one loss can affect the wider business. The right structure depends on the operation, not only the vehicle count.
The most useful starting point is a current vehicle list, basic driver information, operating profile, current insurance documents, requested limits, and loss history if available. You can begin with the details you have and add supporting documents during the process.
Fleet schedules can change. The process and documentation depend on the policy, equipment, and carrier requirements, so bring anticipated purchases, leases, or disposals into the review early.
Underwriters commonly look at the controls behind the operation, including driver management, inspections, maintenance, loss history, and applicable DOT or customer requirements. Clear records help present a more complete view of the fleet.
Complete the application below for fleets with 5+ power units. Upload any supporting documents for faster processing.
We work with A-rated carriers to provide comprehensive fleet coverage
