- Focus
- Trucking · transportation · fleet
- Base
- Lake Havasu City, Arizona
- Offices
- AZ · CA · CO · NV · WY · TX
- Writing
- Nationwide
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 — and it is the reason a submission from here arrives already answering the questions an underwriter was going to ask.
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. So the calendar is the work.
Renewal countdown · what should be happening when
120
days out
Pull the loss runs
Five years, valued current. This is the file the market prices, and it takes longer to get from the incumbent than anyone expects.
90
days out
Read the mod and the basics
An experience modifier and a CSA basic are both set by things that happened last year. Anything worth disputing gets disputed now, not later.
60
days out
Submission goes to market
Radius, commodity, driver tenure and equipment schedule, presented properly. Underwriters read the ones that arrive early.
30
days out
Terms compared side by side
Not premium alone. Deductibles, cargo exclusions, non-trucking liability and whose paper it sits on.
0
renewal day
Bind, with no surprises
Certificates issued, filings current, nothing outstanding. The day should be uneventful, and that is the whole objective.
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.