Insurance for Dry Van Fleets
Dry van is the backbone of American freight. It's also the most competitive segment of the trucking insurance market — which means more carriers want your business and more options to find the best rate. We make sure you're getting every advantage.
Risks That Don't Get Enough Attention
Cargo Theft & Pilferage
Dry van trailers are the most frequently targeted for cargo theft. Sealed trailers can be broken into at truck stops, dropped trailers are vulnerable in unsecured lots, and pilferage at loading docks is common. Your cargo policy needs theft protection with appropriate security requirements you can actually meet.
Load Securement & Shifting
Improperly secured freight inside a dry van can shift during transit, causing damage to the cargo or — in extreme cases — affecting vehicle handling. Load securement claims are a leading cause of cargo losses in dry van operations. Proper loading protocols and documentation matter.
High Volume, Tight Margins
Dry van operations run on volume. You're moving more loads at tighter margins than reefer or flatbed. That means your insurance cost per load matters more. Even a small premium reduction per truck scales across your fleet and goes straight to your bottom line.
Coverage Built for Dry Van Operations
Five coverages for dry van fleets — and how to make sure each one is working as hard as it should.
Auto Liability
Dry van fleets running high volume on major corridors have significant road exposure. Your auto liability rates benefit from the competitive market for dry van risk — more carriers write it, which means better pricing when your agent shops it properly.
Learn more →Physical Damage
Dry van trailers are less expensive than reefer or flatbed equipment, which helps keep physical damage premiums manageable. We optimize your deductibles across the fleet to find the sweet spot between premium savings and out-of-pocket risk.
Learn more →Motor Truck Cargo
Standard cargo coverage for general commodities. Your limits should match the highest-value load you carry, not your average load. We see too many dry van operators with $100,000 limits hauling occasional $300,000 loads of electronics.
Learn more →General Liability
Dry van operations involve frequent dock interactions — backing in, loading, unloading at customer facilities. The loading/unloading gray zone between auto and general liability is especially relevant for high-volume dry van fleets.
Learn more →Additional Coverage
Trailer interchange for broker-assigned trailers, umbrella policies for high-value contracts, and non-trucking liability for owner-operators in your fleet.
Learn more →What Drives Your Dry Van Rate
Fleet Size
Dry van is where fleet-level pricing matters most. Carriers offer meaningful discounts at 5, 10, 15, and 25+ truck tiers. If you're near a breakpoint, we'll show you what adding one more truck could save across the whole program.
Driver Quality
With high driver turnover in dry van operations, carriers scrutinize your driver roster carefully. MVR records, CDL experience, and your driver qualification process all affect your rate.
Operating Radius
Regional dry van operations get better rates than long-haul. If your fleet is primarily within a 500-mile radius, make sure your policy reflects that — you shouldn't pay long-haul rates for regional operations.
Cargo Type Mix
Hauling general commodities costs less than electronics, alcohol, or pharmaceuticals. If your freight mix is mostly low-value general goods, make sure your rate reflects that — not the occasional high-value load.
Loss History
Dry van fleets typically have lower claim severity than reefer or flatbed. A clean 3-year loss run is your most powerful tool at renewal. We use it aggressively when shopping your program.
Security Protocols
Sealed trailers, GPS tracking, secure parking requirements, and driver training on theft prevention can reduce cargo premiums. Carriers reward documented security programs.
Common Questions About Dry Van Insurance
Get Your Dry Van Fleet Quoted
Tell us about your fleet. We'll find the most competitive dry van rates in the market.