Motor Carrier Insurance
Trucking insurance designed for safety-focused fleets.
Motor Carrier Insurance
Trucking insurance designed for safety-focused fleets.
Custom Built for 1-20 Truck Fleets
Our Small Fleet Advantage trucking insurance offers big fleet benefits and coverages exclusively to owner-operator and small fleet trucking companies.
Safe Driving Discounts
With insurance designed to put you in the driver’s seat, premiums are re-rated monthly based on driving performance – the safer you drive, the more you can save.
Cash Flow Friendly
Skip large down-payments and premium financing. We offer flexible options such as monthly payments and no money down insurance when paired with factoring.
Safety Management
Build safer fleets, better drivers, and improve your bottom line with access to a safety center with
reporting on drivers and trucks in your fleet.
Enter Info
about your fleet, individual trucks, and drivers.
Select
insurance coverage and options.
What Information Do I Need?
DOT number, MC number, and Tax ID
Truck VINs, garaging zip codes, and values
Driver names, CDL numbers, states, and birth dates
Prefer to speak with our team? Call us at (866) 621-4145
The Small Fleet Advantage program includes many great benefits including Auto and General Liability coverage. Need additional protection? We’ve got you covered! You can customize your plan by adding the specific policies that fit your company’s needs. Learn more about our add-on policies here.
Auto Liability
Designed for incidents that you are found responsible for while using a company vehicle.
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Bodily Injury
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Property Damage
Available Coverage:
$1 Million per accident.
General Liability
Provides coverage for the harm you may cause to others arising out of premises, operations, products, and completed operations.
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Bodily Injury
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Property Damage
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Personal Injury
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Advertising Injury
Available Coverage: $1M per occurrence, $2M per aggregate, $2M for products liability of completed operations aggregate
Already a Safe Driver? Turn Safety Into Savings
Get a Discount for Safe Driving
Your insurance premium is based on how you drive – the better you drive, the lower your cost.
See Safety Data in Real Time
Our Safety Center provides driving reports and safety data to help you manage your fleet and your risk.
Save Each Month for Safe Driving
With safe driving habits, you can qualify for monthly premium reductions, saving you up to 30%.
Your Fleet’s Mobile Headquarters
CarrierHQ offers an on-the-go portal with competitive and flexible services a new or existing fleet needs to make growing their business easier. Within our online portal, you’ll have 24/7 access to:
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No money down insurance
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Flexible payment options
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Factoring
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A safety center
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ELD's
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And much more!
First of its Kind Trucking Insurance
1-20 truck fleets fuel the American trucking industry. We celebrate your spirit of entrepreneurship and ingenuity with a program designed not just to get you on the road, but to help your business grow and thrive.
Traditional Insurance Providers
Quote and bind online
No loss runs needed
$0 down payment option
Monthly adjustable premiums
Flexible, Pay-as-you-go payments
Quote and bind online
No loss runs needed
$0 down payment option
Monthly adjustable premiums
Flexible, Pay-as-you-go payments
You won’t find trucking insurance like this anywhere else!
"I saved money right away – and recently my monthly rates have gone down even more"
Cynthia Kuykendall
Safe Haul Logistics (SHL LLC)
Frequently Asked Questions
Who is an insured under a commercial auto policy?
The owner of a commercial trucking company, or owner-operator if the case applies, is listed as the ‘named insured’ on commercial auto policies.
Can I add or drop vehicles if my fleet size changes?
Yes! With CarrierHQ’s Small Fleet Advantage program you can easily add and remove units to fit your business’ needs. Updating the number of units on your account is easy, all you need to do is reach out to the Small Fleet Advantage Team at 1-800-492-5756 or email sfarrg@aon.com. They can update your account quickly – often same day. Unlike others, we don’t have artificial growth caps.
Do drivers need Commercial Driver’s License (CDL) experience to get motor carrier insurance?
Drivers need to have a CDL, but unlike many other insurance providers, the Small Fleet Advantage insurance program does not require drivers to have a minimum number of years CDL experience. Based on the FMCSA CDL Program drivers must have the experience, skill, physical abilities, and a high level of knowledge required to operate commercial vehicles. To learn more about obtaining a commercial driver’s license, you can refer to the FMCSA’s CDL site.
How can I lower my monthly insurance premiums with CarrierHQ’s Small Fleet Advantage program?
CarrierHQ’s Small Fleet Advantage program allows fleet owners to receive monthly premium reductions during the first full month of coverage based on safe driving. It’s easy to coach your drivers to improve performance using our Safety Center driving reports and safety data. Safe driving discounts are calculated each month using CarrierHQ’s exclusive FAIR Score. The program is a great way to save monthly AND encourage safe driving. It’s a win-win!
What is a FAIR score and how does it impact my fleet?
A FAIR Score is a rating CarrierHQ uses to evaluate driver safety and to determine if a customer qualifies for safe driving discounts. FAIR Scores are updated monthly and are used to determine if a customer qualifies for the safe
driving discount. Upon signing up for CarrierHQ, customers receive a self-guided training on FAIR Scores and the safe driving discount. Customers can take an active role in monitoring their FAIR Score by signing up to receive text or email reports. To qualify for the discount, companies need to have a score of at least 716. Some of the factors that are used to determine FAIR Scores include:
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Speeding
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Congested driving
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Travel by time of day
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Travel by road class
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Parking locations
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Annual mileage
What types of trucks does the Small Fleet Advantage insurance program cover?
CarrierHQ’s program provides insurance coverage for Class 6, 7, and 8 vehicles. Truck classification looks at the Gross Vehicle Weight Rating or the GVWR.
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Class 6 vehicles have GVWRs between 19,501 and 26,000 and include three axels, single unit vehicles.
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Class 7 vehicles have GVWRs between 26,0001 and 33,000 pounds and include single units with four or more axels.
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Class 8 vehicles have GVWRs over 33,001 pounds and include four or less axels with a single trailer.