Why this review matters
A trucking submission should show how the fleet actually operates. Equipment, commodities, radius, contracts, driver quality, maintenance, telematics, and loss response all help distinguish the account.
Information to prepare
- Power-unit and trailer schedules with values
- Driver list, experience, and motor vehicle records
- Commodities, maximum cargo values, and operating radius
- Loss runs and details of corrective action
- Maintenance, hiring, training, telematics, and camera procedures
Decisions to discuss
- Auto liability and umbrella limits
- Physical damage valuation and deductibles
- Cargo limits, refrigeration, and specific exclusions
- General liability, workers’ compensation, and non-owned exposures
Common pitfalls
- Using average cargo values when peak loads are higher
- Leaving leased equipment or owner-operators unclear
- Failing to explain preventable loss controls
- Not updating routes, commodities, or operating radius
Frequently asked questions
Why are commodities important?
Cargo type and value influence loss severity, theft potential, handling requirements, and whether exclusions or special conditions may apply.
What safety information helps at renewal?
Consistent hiring standards, maintenance records, driver monitoring, telematics, cameras, training, and documented corrective action can help explain how the fleet manages risk.
Coverage descriptions are general. Availability, eligibility, limits, exclusions, and policy terms vary. Review actual policy documents and requirements with an appropriate insurance professional.