ServicesFleet Truck Insurance
Fleet Truck Insurance in Arlington
When you run more than a couple of trucks, insurance stops being one policy and becomes a system. We set up fleet coverage that handles new units, driver changes and shipper certificates, and we look at what it costs you over years, not just this renewal.
Coverage built for more than one truck
A fleet policy puts your trucks, trailers and drivers under one program. Liability, physical damage and cargo coverage can sit together, with one renewal date and one set of filings tied to your DOT number and MC authority.
The cheapest premium on day one is not always the cheapest policy. A low deductible you never use, or a carrier that drops you after one claim, can cost more by year three than a plan that fit your operation from the start. We lay out those trade-offs in plain terms so you can pick what holds up.
We are licensed for property and casualty insurance, and we work with small and mid-size fleets out of Arlington, Grand Prairie, Mansfield and the rest of the area. Meetings happen at our office or by phone and video.
What a fleet program can include
Primary auto liability
The coverage your authority depends on. We handle the federal and state filings so your MC stays active.
Physical damage for each unit
Collision and comprehensive on the trucks you choose. Older paid-off tractors may not need it, and we will say so.
Motor truck cargo
Limits set to what you actually haul, so a broker's requirement does not leave you underinsured on a high-value load.
Scheduled units and drivers
A clear list of every truck, trailer and driver on the policy. Keeping it current is what keeps claims from getting denied.
Certificates of insurance
Shippers and brokers ask for them constantly. We issue them with the right holder and limits when you need them.
Add-ons where they fit
Trailer interchange, non-trucking liability for leased owner-operators, and other pieces get added only if your operation calls for them.
Signs it is time to move to a fleet policy
You are juggling separate policies
Three trucks on three policies means three renewals and three sets of paperwork. One program is easier to manage and often easier to price.
You just added a truck or a driver
Growth is when gaps open up. A driver who is not listed or a unit added late can leave you exposed.
Your premium jumped with no clear reason
Rates move with loss history, driver records and commodity. If nobody explained the increase, it is worth a second look.
Brokers keep asking for higher limits
Some loads require more cargo or liability coverage than you carry. Raising limits across the fleet can cost less than doing it truck by truck.
You have hired drivers with mixed records
A couple of tickets on one driver can affect the whole fleet's rate. Planning for that beats being surprised at renewal.
How we put your fleet coverage together
- 1
Talk through your operation
We start with a phone or video call. We want to know what you haul, how far, how many units and who drives them.
- 2
Gather the records
We will ask for your unit list with VINs, driver list, and loss runs from your current insurer. Those papers drive the price more than anything.
- 3
Compare options side by side
We show you the premium, deductibles and limits for each option, and what each choice likely means over the next few years. You decide.
- 4
Bind, file and issue certificates
Once you pick, we bind the coverage, handle the filings tied to your DOT number, and get certificates to your brokers and shippers.
- 5
Keep it current
Call us when you add a truck, sell one or hire a driver. We update the schedule so the policy matches what is on the road.
What moves the price of fleet insurance
Fleet premiums are built truck by truck and driver by driver, then adjusted for your history. Some factors you control, some you do not. We point out the ones worth working on, because small changes there pay off at every renewal.
- Loss history
- Your loss runs from the last three to five years carry a lot of weight. A clean record is the best lever you have on future rates.
- Driver records and experience
- Each driver's MVR and years of commercial driving count. Hiring standards set today show up in what you pay later.
- What you haul and how far
- Commodity, cargo value and operating radius all matter. Long-haul and high-value freight price differently than local runs around the Metroplex.
- Truck values and deductibles
- Newer equipment costs more to cover for physical damage. A higher deductible lowers the premium, but only makes sense if you can cover it after a loss.
- Safety practices
- Inspection scores, maintenance records and tools like dash cams can help an underwriter see your fleet as a better risk.
Fleet truck insurance questions
Something not covered here? (817) 402-2551
How many trucks do I need to be considered a fleet?
It depends on the insurer. Some start fleet programs at two or three power units, others at five or more. Tell us your count and we will tell you which markets make sense.
Can I add a truck in the middle of the policy term?
Yes. Call us before the truck goes into service and we will add it to the schedule. The premium is adjusted for the rest of the term.
Will one driver's tickets raise the rate for everyone?
It can. Insurers look at every listed driver, and a poor record may raise the fleet's premium or get that driver excluded. We will walk you through the options before you hire or list someone.
Is a higher deductible worth it?
Sometimes. It lowers your premium every year, but you pay more out of pocket when there is a claim. We compare both over a few years so you can see where the break-even point is for your operation.
Can leased-on owner-operators be covered under my fleet?
Often your primary liability covers them while they are under dispatch. They usually still need their own non-trucking liability and physical damage. We can help sort out who carries what so nothing falls through.
Let's look at your fleet together
Bring your unit list and loss runs, or just your questions. We will go over options and what they cost you over time, not just at signing.