Commercial coverage for growing fleets

Fleet truck insurance that scales with your business.

Compare commercial insurance for multiple vehicles, drivers, routes, and cargo types through one fleet-focused application.

Compare coverage Explore coverage and quote preparation

Fig. 01: Fleet truck insurance

Coverage structured around your full fleet

Review fleet limits, deductibles, and exclusions

Support as vehicles and drivers change

Your operation

Start with the work you do.

A fleet submission is a picture of how vehicles, drivers, and operations fit together. Consistent schedules and a clear account of changes make it easier to compare renewal terms and identify gaps as the business grows.

Renewing an existing fleet

Reconcile the vehicle and driver lists, explain losses and corrective actions, and distinguish last year's operations from the coming year's plans. Give each insurer the same version.

Adding trucks, drivers, or work

Ask how additions and changes must be reported. Include acquired equipment, new garaging sites, different commodities, and subcontracted work in the review.

Coverage to compare

Know what each part protects.

Fleet auto liability

Compare the insured entities, vehicle and driver arrangements, territory, limits, and required filings.

Vehicle physical damage

Check values and deductibles by unit and the treatment of specialized or permanently attached equipment.

Cargo and trailers

Look at maximum freight exposure and trailer ownership across the fleet, including interchange and storage arrangements.

Business-wide exposures

Bring employee, subcontractor, premises, and customer requirements into the discussion so they are reviewed alongside vehicle coverage.

This is general buying guidance. Available coverage depends on the insurer, your operation, and underwriting. The issued policy and endorsements determine what is covered.

Understanding cost

What shapes your quote.

Fleet size and mix, routes, commodities, and garaging locations.
Driver profiles, loss history, and operational changes.
Vehicle values, limits, deductibles, and coverage structure.

Compare equivalent limits, deductibles, and operations before choosing on price. Your quote should explain both the cost and the coverage it buys.

Quote preparation

Have these details ready.

One current vehicle schedule with VINs, values, ownership, and garaging.
Driver list and available loss runs for the period insurers request.
Operations summary, routes, commodities, contracts, and growth plans.
Current policies and a list of unresolved coverage or service questions.

Start with the short form below. These details help with the follow-up review; you do not need to enter them all to get in touch.

Common questions

Before you choose a policy.

Does buying a fleet policy automatically cover new vehicles?

Do not assume it. Ask about acquisition and reporting provisions, time limits, and any conditions, then establish a process to report changes promptly.

How do I compare fleet renewal offers?

Normalize the vehicle and driver schedules first. Then compare coverage, exclusions, deductibles, valuation, fees, and payment terms, with any differences explained against the full policy-period cost.

Get Started

Get your quotes. It starts with a USDOT number.

Tell us about your operation so our team can review your insurance needs and help you compare available options.

Coverage options for your operation
Help reviewing your insurance requirements
A quote request, with no obligation to buy

Next step

A review of your operation

Prefer to talk it through? 1-844-912-COVER

Keep exploring