ServicesFleet Truck Insurance
Fleet Truck Insurance in Farmers Branch
Every truck you add brings another VIN, another driver and another certificate to track. We put your units, drivers and coverage on one policy, keep your filings current, and the same small team handles your account from the first quote through each renewal.
What fleet coverage does for your operation
A fleet policy covers several power units and trailers under one program instead of a stack of single-truck policies. That means one renewal date, one set of filings, and one place to add a truck or drop a driver.
It usually pulls together the pieces you already know: primary auto liability, physical damage, motor truck cargo, and trailer interchange when you pull other people's trailers. We build it around how your trucks actually run, local or regional, what you haul, and where the units park at night.
We are a small office. The person who quotes your fleet is the person you call when a broker needs a certificate of insurance on a Friday afternoon.
What we set up on a fleet policy
- 01
Unit schedule
Every tractor, straight truck and trailer listed by VIN with its stated value. You know exactly which unit is covered for what.
- 02
Driver list
We check each driver's MVR and experience against the carrier's guidelines before they go on the policy. If someone won't qualify, we tell you before you put them in a seat.
- 03
Liability and filings
Primary auto liability at the limits your MC authority and your contracts call for, plus the federal filings and any Texas intrastate filing your work requires.
- 04
Physical damage and cargo
Collision and comprehensive on the units you choose, and cargo coverage written for the freight you really haul, with any exclusions explained up front.
- 05
Mid-term changes
Adding a truck, retiring one, swapping a driver. We process the change and send updated certificates to the brokers and shippers who need them.
Questions about Fleet Truck Insurance?
Call(972) 736-5773Signs it's time to move to a fleet policy
Renewals all over the calendar
If each truck renews in a different month, you are paying attention to insurance twelve times a year. One policy fixes that.
Certificates going out wrong
Brokers rejecting your certificate because a unit or limit is missing costs you loads. That usually means the coverage has outgrown the setup.
You just added your third or fourth truck
Many carriers look at a small fleet differently than a single owner-operator. It's worth comparing once you cross that line.
Drivers you aren't sure are covered
If you hired someone and never confirmed they were added, that gap is real. A clean driver list closes it.
New contracts with higher limits
Shippers and construction jobs often ask for more liability or added insureds. A fleet program can handle those without rewriting everything.
How we put your fleet policy together
- 1
A phone or video call
We talk through your trucks, drivers, freight and lanes. Come to our office if you'd rather sit down in person.
- 2
Gather the documents
We'll need your DOT number, the VIN for each truck and trailer, and the names of everyone who drives for you. We also ask your current insurer for your claims history, typically covering the past three to five years.
- 3
Shop and compare
We take your file to the markets that write fleets your size. Each option is laid out with its limits, deductibles and exclusions next to the price, so the cheapest number doesn't hide a gap.
- 4
Bind and file
Once you pick, we bind coverage, handle the filings and send certificates to the brokers and shippers on your list.
- 5
Stay on it all year
The same people handle your changes, audits and renewal, so nobody has to relearn your operation.
What moves the premium on a fleet
Fleet pricing comes from the risk an underwriter sees in your file. Some of that you can improve over time, and some you can't. We walk through each piece with you so every line of the quote makes sense.
- Loss history
- Claims in your loss runs carry a lot of weight. Three clean years usually gets your file in front of more markets.
- Drivers
- Each MVR gets read for age, years of commercial driving and violations. One driver with a rough record can push up the price for every truck.
- Radius and freight
- Local and long-haul work are rated differently. Dry van, reefer, hazmat and heavy equipment each get priced on their own terms too.
- Truck values and your deductible
- The more a unit is worth, the more it takes to insure it against collision and theft, so a late-model tractor costs more than an older one. A higher deductible lowers the premium, but more of each repair comes out of your pocket.
- Safety record
- Underwriters pull your CSA scores and roadside inspection history, since both are public. Dashcams and a written safety program can strengthen your file.
Fleet insurance questions we hear
How many trucks count as a fleet?
There's no single number. Many carriers start treating an account as a fleet somewhere around three to five power units. We'll tell you how the markets we work with see your size.
I'm buying another truck next month. Can it go on my current policy?
It can. Give us the VIN, what the truck is worth and who will be driving it. We get it added, the premium is adjusted for the months left on the term, and fresh certificates go out to your brokers.
Will one driver's bad record raise my whole premium?
It can. Some carriers will exclude that driver, others will rate the whole fleet higher. We show you both paths so you can decide whether to keep the driver on.
Do you handle my federal and state filings?
Yes. We make the filings tied to your MC authority and any Texas intrastate filing your work needs, and we keep them current when coverage changes.
Can we do all of this without meeting in person?
Yes. A phone call or a video chat covers almost everything, and plenty of our fleet accounts never stop by. If you run trucks out of Carrollton, Addison or Irving and would rather talk across a desk, you're welcome at our office.
Get your fleet on one policy
Have your DOT number and unit list handy, and we'll walk through what your trucks need. The same person you talk to today stays with your account.