Commercial Fleet Trucking Insurance
Commercial trucking faces unique challenges that standard insurance can’t adequately address. Accidents, theft, mechanical failures, and litigation don’t just threaten your equipment—they jeopardize your entire operation. At Kaufman Commercial Insurance, we’ve revolutionized fleet coverage through our technology partnership with Nirvana and transparent approach that puts your business needs first.
Why Our Approach to Fleet Coverage Delivers Better Results:
Fleet Insurance Coverages Designed for Real-World Trucking Risks
Fleet Auto Liability
Every mile your trucks drive puts your company's name on the line. This coverage protects your fleet when your driver is at fault in an accident that causes injury or property damage. It's required by FMCSA, DOT, and every broker or shipper you'll want to work with. Our transparent approach ensures you understand exactly what's covered and where potential gaps might exist before they become problems.
Comprehensive + Collision for Fleet Equipment
When your rig is down, you're not just losing a truck—you're losing revenue. We cover damage to your trucks and trailers caused by accidents, fire, theft, storms, or vandalism. Whether it's a minor scrape or a total loss, this ensures your equipment gets repaired or replaced efficiently. Our partnership with Nirvana leverages technology to streamline the claims process and get you back on the road faster.
Fleet Cargo Coverage
Your freight is your reputation. From palletized goods to heavy equipment, cargo insurance protects against theft, spoilage, or damage in transit. Some contracts demand it—smart fleets carry it anyway. Our transparent policy structure clearly outlines what's covered and what's not, eliminating surprises when you need to file a claim.
General Liability for Fleet Operations
Accidents don't just happen on the road. This coverage protects your business against non-driving incidents—like property damage or bodily injury that happens during loading/unloading or while parked at a facility. Our strategic coverage separation approach ensures you have appropriate protection for all aspects of your operation without paying for unnecessary coverage.
Downtime & Business Interruption Protection
One accident can stall your fleet for days. We help you get back to work quickly by covering lost income, rental costs, and short-term downtime after a covered claim. Because sitting still is expensive. Our technology integration helps identify and address potential issues before they lead to downtime, creating a proactive rather than reactive approach to fleet management.
Fleet Worker Injury Protection
Multiple drivers. One standard of care. Protect your drivers with occupational accident or worker's comp policies. Covers medical expenses, lost wages, and employer liability for injuries on the job. Our trust-based partnership approach means we're committed to the wellbeing of your drivers as much as the protection of your equipment.
Key Factors to Evaluate Before Buying Fleet Trucking Insurance
Minimum Requirements
Make sure your policy aligns with FMCSA rules, state laws, and the insurance thresholds required by brokers, clients, or shipping contracts.
Premiums vs. Deductibles
Lower premiums often come with higher deductibles. We’ll help you strike the right balance between affordable payments and manageable out-of-pocket costs when something goes wrong.
What’s Not Covered
Know your exclusions. Some policies may limit coverage based on geography, cargo type, or how a vehicle is used. We’ll make sure there are no surprises.
Claims Turnaround Time
After an incident, every hour counts. That’s why we work with insurers known for efficient claims processing and minimal downtime.
Industry-Specific Risks
If you haul hazardous materials, refrigerated freight, oversized loads, or cross state lines regularly, you need a policy tailored to those specific risks.
Reliable, Financially Stable Carriers
Through our partnership with Nirvana, you’ll work with a carrier that’s not only A-rated but also built for the demands of today’s fleets — from smart sensors to instant proof-of-insurance and transparent digital tools.
About Us
Commercial Trucks Fleet Insurance is marketing on behalf of Kaufman Commercial.
We are not an insurance agency or broker and do not sell insurance policies. All quote requests are sent to Kaufman Commercial Insurance.
Types of Truck Fleets We Help Insure
Long-Haul & Over-the-Road (OTR) Fleets
Ideal for freight carriers operating across state lines. We tailor coverage to FMCSA standards and broker contract requirements.
Last-Mile Delivery Fleets
From box trucks to sprinters, we insure fleets handling urban and regional deliveries, including e-commerce and retail distribution.
Construction & Heavy Equipment Fleets
Dump trucks, flatbeds, and heavy haulers used on job sites need specialized protection. We cover vehicle damage, jobsite liability, and cargo.
Specialized Freight Fleets
We work with carriers hauling hazardous materials, refrigerated goods, oversized equipment, or time-sensitive loads — with coverage that matches their unique risks.
Owner-Operator Aggregator Fleets
Have a growing group of independent contractors under your dispatch? We help structure policies that keep your coverage compliant while offering flexibility for your drivers.
Regional and Mixed-Use Fleets
Whether your operation includes local delivery, warehouse-to-warehouse runs, or a mix of tractor-trailers and box trucks — we help you insure it all under one smart, efficient policy.
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Why should you choose us?
Technology-Driven Protection
Trucking has evolved—shouldn't your insurance? Our partnership with Nirvana brings cutting-edge telematics to your fleet, providing real-time monitoring that identifies risks before they become problems. This technology-driven approach not only keeps you safer but translates directly to your bottom line through our pay-per-mile model that aligns insurance costs with your actual operations. You only pay for the miles you drive—creating immediate savings during seasonal downturns or slower periods.
Transparency You Can Trust
For over 20 years, we've built our reputation on the belief that transparency protects everyone involved. We don't just sell policies—we build partnerships based on honest communication and mutual benefit. Our strategic coverage separation approach ensures you understand exactly what's covered and where potential gaps might exist before they become problems. With renewal discounts up to 20% for safe operations, we create a virtuous cycle where your operational excellence directly reduces your insurance costs.
Results That Keep You Rolling
The true test of insurance isn't when you're signing the policy—it's when you need to file a claim. Our documented track record of saving clients an average of 10% upfront (with total savings exceeding $15 million) speaks for itself. When incidents occur, our streamlined claims process gets you back on the road faster, with business interruption coverage that kicks in immediately to protect your revenue stream. Because in trucking, downtime isn't just inconvenient—it's expensive.