Growing Your Fleet?
Adding trucks is exciting. But every new unit, every new driver, and every new route changes your risk profile. Your insurance program needs to grow as smart as your business does.
We've Seen This Before
Your current program wasn't built for this.
The policy you set up for three trucks doesn't work for ten. Your limits may be too low, your carrier may not offer fleet pricing, and your agent may not have restructured anything since day one. Growth exposes gaps.
Adding trucks mid-term is a headache.
Every new unit needs to be scheduled on your policy. Every new driver needs to be vetted and added. If your agent isn't responsive, you've got trucks sitting idle waiting on certificates — costing you money every day they're not moving.
You're outgrowing your carrier.
Some insurance carriers are great for small fleets but don't have appetite for larger operations. As you grow, you may need to move to a carrier that offers fleet-level pricing, blanket coverage, and the capacity to handle your volume.
How We Handle It
We audit your current program.
We review every policy you carry — auto liability, physical damage, cargo, GL, workers' comp — and identify where your coverage hasn't kept up with your growth. Gaps, outdated limits, and overpriced carriers all get flagged.
We restructure for your new size.
Fleet pricing tiers, blanket coverage options, higher aggregate limits, umbrella policies — we rebuild your program around where you are now, not where you were when you started.
We streamline additions.
New truck? New driver? We handle additions same-day. You send us the info, we schedule the unit, and your certificate is ready before the truck leaves the lot. No delays, no idle equipment.
We plan for where you're headed.
Growing from 5 trucks to 15? From 15 to 50? Each milestone changes your insurance options. We build your program with the next tier in mind so you're not starting over at every growth stage.
What to Expect
The Audit
We'll need your current dec pages (declarations pages for all active policies), your loss runs for the last 3–5 years, a current vehicle schedule, and a driver roster. We do the analysis — you just send the docs.
Timeline
A full program audit and restructure typically takes 1–2 weeks. Individual truck additions happen same-day. Carrier changes at renewal are seamless — we manage the transition so there is no gap.
Cost Impact
Growing fleets often save money per unit as they scale. Fleet pricing, higher deductible strategies, and carrier competition work in your favor. Many fleets we restructure end up paying less per truck than they were before — even with more coverage.
Ongoing Service
Growth means constant changes. We handle all endorsements, additions, deletions, and certificate requests on an ongoing basis. You won't wait for a callback — we manage your program like it's our fleet.
Common Questions About Fleet Growth
Let's Build Your Fleet Program
Tell us where you are and where you're headed. We'll build coverage that gets you there.
(510) 270-8141