Primary liability
One filed policy covering every power unit. We place it and file the BMC-91 once.
Primary liabilityTrucking Fleet Insurance
Trucking fleet insurance puts every truck you run on one policy, so you stop managing four renewal dates, four certificates and four chances for a lapse to pull your filing. Most carriers with a handful of trucks got there one policy at a time, and the paperwork grew with the fleet. Our agency writes commercial truck fleet insurance for for-hire carriers running two to nine tractors, dump trucks or box trucks, from a licensed office in Las Vegas, with the filings done as part of binding.
Get your trucking fleet insurance quote
Step 1 of 5
In short
One policy for the whole fleet, one BMC-91 filing, one renewal date, one licensed agent who knows every truck on the schedule.
- Adding a truck mid-term is an endorsement on the existing policy, not a new application and not a new filing.
- Federal minimums do not change with fleet size: $750,000 liability for general freight over 10,001 lbs, more for oil and hazmat.
- Carriers rate a fleet on the operation and the driver list, so a clean fleet with inspection history usually rates better than the same trucks insured separately.
- Licensed Nevada insurance agency
- 20 years of insurance experience
- English and Spanish
- Federal and state filings handled
- Las Vegas office, 2620 Regatta Dr Suite 102
Coverages for this operation
Motor truck cargo
One cargo policy and one certificate every broker on your list can accept.
Motor truck cargoSemi truck insurance
What a fleet policy is built from, truck by truck.
Semi truck insuranceWhat drives your rate
- Number of power units, and how many you expect to add or replace this year.
- The driver list as a whole: records, CDL experience and turnover, because one bad record on a fleet schedule prices every truck.
- Equipment mix: tractors, dump trucks and box trucks rate differently on one schedule.
- Radius and commodity for the operation, not per truck.
- Years of authority and inspection history, which carry more weight for a fleet than for a single truck.
- Total insured value of the equipment.
- Garaging: one yard or several, and the ZIP of each.
How it works
Step 1: Send your USDOT number and the equipment list
Every truck, trailer and driver. Loss runs if you have them. One form or one call.
Step 2: We quote the carriers that want fleets your size
A licensed agent puts the whole operation in front of fleet markets, not single-truck programs.
Step 3: You get one policy, one filing and your certificates
One BMC-91 to FMCSA, one certificate per broker, one renewal date to remember.
This page is for for-hire trucking fleets of two to nine trucks. Fleets of ten or more, and fleets of cars or vans outside trucking, are written through different markets; call and we will tell you which.
Questions carriers ask
What counts as a small fleet for trucking insurance?
Most trucking carriers treat two to nine power units as a small fleet and ten or more as a fleet account with different underwriting. The line moves by carrier. What matters more than the count is whether the operation has an inspection history and a driver list that does not turn over every quarter.
Is fleet insurance cheaper per truck than insuring each one separately?
Often, because carriers apply a fleet credit and rate the operation instead of each truck as its own risk. It is not automatic. A fleet with one bad driver on the schedule can rate worse than the same trucks split up. Ask for both structures on the quote and compare them; a licensed agent will show you both.
When is the right time to move to a fleet policy?
Before your next renewal, not after. If your trucks renew on different dates, the move happens at the earliest one and the rest are added by endorsement as they come due, so you are never paying two policies for one truck. Waiting until every policy lines up means another year of separate renewals and separate certificates.
Related: Owner-operator insurance, Primary liability insurance, Nevada trucking insurance.