Arizona · specialty transportation insurance
The people pricing your fleet have run one.
Specialty insurance for trucking, transportation and commercial fleets. The desk includes a director of fleet management and a director of claims and safety, which is not a normal thing for an agency to have.
30 yrs
claims and safety management
26 yrs
fleet and final-mile operations
1,000
vehicles in a fleet previously run in house
16 yrs
longest client relationship on the books
Why the renewal moved
A fleet is priced on things that happened last year.
By the time a renewal quote lands, the decisions that set it were made months earlier: a CSA basic, a mod, a claim closed badly. Most of that is fixable, but not in the fortnight before the policy expires.
The experience modifier
It compounds. A single claim reserved high and left there moves the mod for three years, and nobody outside the agency is watching the reserve.
The CSA basics
Underwriters pull them. A basic that has crept over threshold is a rate increase that arrives silently, and it is usually driver files rather than driving.
The late submission
A fleet marketed in the last two weeks gets priced defensively by every underwriter who sees it. Ninety to a hundred and twenty days is the difference between a market and a quote.
Who is on the desk
So the file is read by operators.
What gets placed
And these are the lines that matter.
Commercial auto and fleet
Primary liability, physical damage and non-trucking liability, rated on how the fleet actually runs rather than on a generic class code.
Motor truck cargo
Including the exclusions that matter: refrigeration breakdown, theft, and the ones that get discovered at claim time.
General liability
Premises and operations for yards, terminals and warehousing.
Workers compensation
Rated with the mod in mind, because the experience modifier is the number that compounds.
Occupational accident
For owner-operator models where workers compensation is not the right instrument.
Safety and compliance support
CSA scores, driver files and the housekeeping that decides your renewal long before the renewal.
Send the loss runs. That is where the answer is.
A review costs nothing and does not require moving the account. Most of the time it identifies something worth fixing before the next renewal rather than after it.
430 El Camino Way, Lake Havasu City AZ · Monday to Friday, 9am to 5pm
Before you call
The questions fleet owners ask.
Why use a specialty agency instead of a general one?
Because trucking is underwritten on operational detail: radius, commodity, driver tenure, CSA scores, loss runs read properly. A generalist submits the application; a specialist knows which underwriter will price it and what to fix before it is submitted.
My rates went up and nothing changed.
Something usually changed, and it is often the experience modifier or a CSA basic that moved twelve months ago. That is diagnosable from your loss runs, and it is the first thing worth looking at before shopping the market.
How far ahead of renewal should we start?
Ninety to a hundred and twenty days. Marketing a fleet properly takes weeks, and a submission that arrives late gets priced defensively by every underwriter who sees it.
Do you only work with large fleets?
No. Owner-operators through to fleets in the hundreds. The difference is which markets are appropriate, not whether the account is worth doing properly.