Commercial Auto Insurance

Fleet Policy Insurance

As a Commercial Truck Insurance Provider, we can assist with managing your Fleet Insurance Policy. We have an insurance solution to assist you, no matter what size your fleet is.

We can help no matter what type of fleet you have:

  • Cars
  • Trucks
  • Vans
  • Buses
  • Coaches
  • and more
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What is a Fleet Policy Insurance?

Fleet insurance covers a fleet of vehicles, which can be registered in the name of a company, a partner or director of the company. This allows one policy to cover your whole business.

Setting up your policy in this way will help you long-term, by saving money and time from renewing multiple policies.

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Why do you need Fleet Policy Insurance?

To mitigate any risks surrounding your fleet, it’s important to have fleet insurance.

Fleet insurance allows organizations to protect all of their assets under a single policy. Not only is fleet insurance less expensive than holding individual policies for each vehicle, but fleet insurance also caters to the specific needs of businesses.

When choosing the right coverage for your fleet, think about the risks associated with the types of assets in your fleet. Leverage any fleet data you have available, consider your surroundings and speak with insurance professionals to determine what is best for your fleet.

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Fleet Policy Insurance Coverages

What Commercial Coverages do you need?

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what your trucks are hauling). 

What will our Commercial Truck Insurance Specialists do?

  • Timely submission of federal and state financial responsibility filings
  • Free risk assessment
  • Federal and State DOT authorities assistance through Compliance Navigation Specialists
  • Safety Reviews / Safety Training

Coverage and Billing options:​

  • Ultimate Coverage – broad proprietary property coverage form including Flood and Earthquake where available
  • Blanket limits with large in-house capacity
  • Crime, Boiler, Inland Marine, and all Property coverages under one policy
  • No separate form needed for computer property, this is included under the Personal Property limit
  • Coverage is included for guest personal property, foundations, underground pipes, flue, and drains, retaining walls that are not a part of the building, bridges, roadways, walks, patios, and other paved services
  • Automatic coverages, including, but not limited to: arson reward, contract penalty clause, excavation, and landscaping, fire sprinklered or burglar alarm upgrade, new construction, and accounts receivable
  • Contamination of Gas and Oil coverage – $50,000
  • Erroneous Delivery coverage – $50,000
  • Terminal Access Card coverage – $50,000

Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
1 K+

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), depends on the overall gross-vehicle weight (GVW) when hauling.

Under 10,001 lbs GVW = $300,000 while over 10,001 lbs GVW = $750,000

1K-200K

Physical Damage Coverage

Physical Damage is not required for Commercial Vehicle Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Cargo Coverage
1 K+

Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call one of our Insurance Specialists for a recommendation on minimum cargo coverage.

Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner
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Steps to get Commercial Truck Insurance

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

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CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

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DOT Compliance? We have you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

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Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
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Quick Commercial Auto Insurance Quote

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