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See exactly what your trucking insurance is overcharging you for.
Upload your commercial auto policy PDF. In 60 seconds, an AI underwriter finds your coverage gaps, flags overpriced lines, and benchmarks your premium against the market. Free preview — pay $29 only if you want the full report.
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A real report on a fictional 12-truck fleet. Insured name and carrier redacted.
Policy Review
█████████ Freight LLC
███████████ Commercial · Policy CA-████-█████ · Mar 2025 – Mar 2026
Total Premium
$48,920 / yr
Vehicles Covered
12 power units
Competitiveness
38/100
Above market
Executive Summary
Ridgeline carries solid auto liability limits but is missing two coverages most underwriters now consider standard for a 12-truck long-haul operation: hired & non-owned auto and trailer interchange. Combined cargo and physical damage pricing is roughly 9% above the market band for this class, driven primarily by a higher-than-needed comp deductible spread. Three actionable changes below should restore competitiveness without reducing real protection.
Premium Competitiveness
For a 12-unit long-haul dry van fleet with a clean 3-year loss run, the market band sits around $3,500–$3,800 per power unit. You are currently at roughly $4,077 per unit. The largest single contributor is the $5,000 comp deductible; secondary contributors are the absence of fleet-credit endorsements that most carriers in this class apply automatically at 10+ units.
Estimated market
$42,500 – $46,000 / yr
Per vehicle
$4,077 / unit
Verdict
Above market
Above marketBelow market
Coverage Deficiencies
6 issues flaggedcritical
Missing Hired & Non-Owned Auto Liability
The policy schedules 12 owned units but contains no Symbol 8 / 9 coverage. Any time an employee runs an errand in a personal vehicle, or you bring on an owner-operator without endorsing them, the company has no defense.
Add Symbols 8 and 9 to the auto liability declarations. Typical cost: $250–$600/yr for a fleet this size.
high
No Trailer Interchange Coverage
Most major shippers require $40,000+ in trailer interchange before allowing drop-and-hook. Without it, a damaged borrowed trailer becomes an out-of-pocket loss and may breach your contracts.
Bind $50,000 trailer interchange (the market standard). Cost is typically under $400/yr.
high
No General Liability
If a visitor slips at your terminal, or a forklift damages a customer's freight during loading, there is no coverage. This is separate from auto liability and from cargo.
Add a $1M/$2M GL policy. For a small terminal operation expect $800–$1,500/yr.
medium
Comprehensive Deductible Set Too High
$5,000 comp deductible on tractors averaging 4 years old is producing a premium roughly 6% higher than a $2,500 deductible would, with savings on a single glass or vandalism claim already exceeding the difference.
Quote at $2,500 comp deductible. Net savings are typically $1,200–$1,800/yr on a fleet this size.
medium
Medical Payments Limit Below Class Norm
$5,000 MedPay is below the $10,000–$25,000 range carried by 80% of comparable fleets. A single emergency room visit after a minor incident routinely exceeds this limit.
Increase MedPay to $10,000. Premium impact is usually under $100/yr per unit.
low
No Confirmation of Reefer Breakdown Exclusion Wording
You haul dry van today, but if you ever pull a reefer the standard cargo form excludes refrigeration breakdown. This isn't an active gap — it's a future trap if your operation changes.
Note in your renewal file: if reefer freight is ever added, request the breakdown endorsement explicitly.
Coverage Lines
Auto Liability (CSL)
$1,000,000
adequate
Meets MCS-90 and most broker/shipper requirements.
Hired & Non-Owned Auto
Not Found
missing
Exposure on every employee errand, rental, or owner-operator unit not on the schedule.
Motor Truck Cargo
$100,000 · Ded $2,500
adequate
Limit appropriate for dry van; confirm refrigeration breakdown is excluded as expected.
Trailer Interchange
Not Found
missing
Required by most drop-and-hook agreements (Schneider, JB Hunt, etc.).
Physical Damage – Comp
ACV · Ded $5,000
excessive
Deductible is high relative to fleet age; raising premium without proportional savings.
Physical Damage – Collision
ACV · Ded $2,500
adequate
Standard for this class and unit value.
Uninsured/Underinsured Motorist
$1,000,000
adequate
Matches liability limit — recommended in all states you operate.
Medical Payments
$5,000
low
Most fleets carry $10k–$25k; current limit may not cover a single ER visit.
General Liability
Not Found
missing
Premises and loading/unloading exposure is currently uninsured.
Recommendations
- 01
Add Hired & Non-Owned Auto (Symbols 8 & 9) before your next renewal — this is the single most exposed gap.
- 02
Bind trailer interchange at $50,000 to stay compliant with major shipper contracts.
- 03
Quote the policy at a $2,500 comp deductible; in nearly all cases the savings exceed the deductible difference within the first claim.
- 04
Add a standalone General Liability policy ($1M/$2M) to cover premises and loading exposures.
- 05
Request fleet-credit and paid-in-full discounts at renewal — both are commonly missed at the 10–15 unit range.
This analysis is AI-generated for informational purposes and is not a substitute for licensed insurance advice. Always confirm coverage decisions with your broker.
What we check
The gaps owner-operators almost always miss.
Common findings across commercial auto policies we've analyzed.
Hired & non-owned auto liability
Missing on most policies — exposure on every employee errand or rental.
Trailer interchange coverage
Required by most drop-and-hook contracts (Schneider, JB Hunt, etc.).
Cargo limit vs. shipper requirements
$100k cargo is standard, but some lanes require $250k. We catch the mismatch.
Comp deductibles set too high for fleet age
A common way carriers quietly bump premium without proportional savings.
Med pay limits below a single ER visit
$5k is common. Most fleets should carry $10k–$25k.
Premium benchmarked against your class
Long-haul, last-mile, and hotshot all price differently. We compare apples to apples.
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