Policy Administration
A typical motor carrier holds several distinct policies at once — auto liability, motor truck cargo, physical damage, general liability, workers' compensation, and often non-trucking/bobtail liability — each with its own renewal cycle and endorsements to track.
We keep your policy documentation, endorsements, and renewal timelines organized and current, so coverage doesn't lapse and changes to your fleet are reflected in your policy.
No coverage gaps discovered at the worst possible moment — during a claim.
- 01Maintain current policy documents and endorsements.
- 02Track renewal dates and initiate renewal review in advance.
- 03Update policies when fleet composition changes.
- 04Confirm coverage aligns with what you're actually hauling.
The standard policy stack in trucking
Most carriers carry primary auto liability (the FMCSA-mandated coverage for injury or damage to others), motor truck cargo (covering the freight itself — federal minimums are set low, so shippers typically require far more), physical damage (covering the truck and trailer), general liability, non-trucking/bobtail liability for when a truck is used outside dispatch, and workers' compensation for employee drivers (not applicable to owner-operators) — each policy has different triggers, and gaps between them are where uncovered losses happen.
Why fleet changes have to flow into the policy
Adding a truck, changing a commodity you haul, or adding an owner-operator can all affect what's actually covered under an existing policy — coverage written for last year's fleet doesn't automatically extend to this year's changes unless the policy is updated to reflect them.