Fleet insurance
Fleet insurance that keeps every unit moving.
Coordinate liability, physical damage, cargo and driver coverage for a growing trucking company with help from Kaufman Insurance Group, an independent agency.
A commercial auto program for a real operating fleet
Fleet insurance for small trucking companies is more than adding several trucks to a policy. Your insurance program should reflect the way your business actually operates: the number of units, driver roster, operating radius, cargo, states crossed and contracts you accept. A careful schedule helps an underwriter understand your exposure and helps you avoid coverage gaps when a truck is added or a driver changes.
Common pieces include primary commercial auto liability, motor truck cargo, physical damage for tractors and trailers, general liability and endorsements that fit your operation. Trailer interchange, hired and non-owned auto, non-trucking liability or bobtail insurance may be relevant in specific arrangements. A certificate of insurance can document the limits your brokers and shippers require.
Federal DOT insurance requirements depend on the type of carrier, cargo and whether you operate interstate. Many for-hire property carriers need at least $750,000 of public liability, while contracts frequently require higher limits. Passenger, hazmat and specialized operations can have different federal or state requirements. We help you identify the filing and certificate details to discuss with the carrier rather than relying on a one-size-fits-all quote.
What determines your fleet premium?
Fleet insurance cost is shaped by unit count and value, driver age and experience, motor vehicle reports, loss history, radius, annual mileage, garaging location, cargo and deductibles. Safety programs, maintenance records and accurate driver and vehicle information can make the underwriting conversation more productive. The lowest initial premium is not always the best result if a limit, exclusion or deductible does not fit the contract.
For Ohio trucking companies, Kaufman Insurance Group brings local agency support from Twinsburg and shops multiple carriers. We can review owner-operators who are adding units, established small fleets and businesses combining tractors with box trucks or specialized vehicles. Carrier appetite and eligibility vary by state, vehicle, unit count and cargo, so we confirm what is available for your specific risk.
When should a fleet review happen?
Review coverage before adding a truck, changing cargo, expanding beyond your current radius, hiring a driver or signing a new shipper contract. A current schedule and loss history help your agent request a meaningful commercial trucking insurance quote.
Questions, answered
Trucking insurance FAQs
What is fleet insurance for a small trucking company?
Fleet insurance brings two or more commercial vehicles and their drivers under a coordinated commercial auto program. Depending on the carrier and risk, it can simplify certificates, billing, claims handling and adding or removing units.
Can a small fleet insure tractors, trailers and box trucks together?
Often, yes, but the carrier will evaluate vehicle classes, drivers, operating radius, cargo and loss history. Tractors, trailers, box trucks and specialized units may need different coverage or underwriting, so the schedule should be accurate.
How is a fleet insurance premium calculated?
The premium can reflect vehicle count and value, driver experience, radius, commodities, territory, mileage, claims history, deductibles and safety practices. We compare available markets and explain which factors are driving the quote.