Semi Truck insurance for fleets
Compare affordable programs from A rated carriers. One application, many markets, licensed in 49 states.
Tractor trailer fleets face the highest liability exposure on the road, so the market you are placed with matters. Prestige shops your file across carriers that actively write long haul and regional semi fleets, which can help you find a more affordable program for your operation.
Coverages semi truck fleets carry
- Primary auto liability
- Motor truck cargo
- Physical damage
- Trailer interchange
- Umbrella and excess
Risks underwriters look at
- Nuclear verdict liability exposure
- High value freight and theft
- Long haul driver fatigue claims
Semi Truck insurance: benchmarks and filings
Federal liability minimums
| Freight | Minimum |
|---|---|
| General freight (10,001 lbs or more) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Higher risk hazardous materials | $5,000,000 |
Source: FMCSA, 49 CFR 387.9. Most shippers ask for $1,000,000.
Filings overview
- BMC-91X
- Federal liability filing your insurer sends to the FMCSA for interstate operating authority.
- MCS-90
- Federal endorsement that guarantees payment to the public up to the required liability minimum.
- Form E / Form H
- State filings that evidence liability and cargo coverage for intrastate authority where required.
- BOC-3
- Designation of process agents in every state where you operate. Required for interstate authority.
- UCR
- Annual Unified Carrier Registration fee based on fleet size. Required for most interstate carriers.
What drives your premium
- Freight class and commodities hauled
- Radius of operation and the lanes you run
- Driver ages, CDL experience and MVR history
- Three to five years of loss runs
- CSA scores and inspection results
- Years under your current operating authority
Every operation is priced individually. A licensed specialist confirms your real number.
Direct answers
How can a fleet lower semi truck insurance costs?
Underwriters reward clean loss runs, experienced drivers, telematics or dashcam programs and strong CSA scores. Comparing several carriers at once through an independent agency can also surface a better fit for your risk.
What liability limit do semi truck fleets need?
The FMCSA minimum for general freight is $750,000, but most shippers and brokers ask for a $1,000,000 combined single limit. A licensed Prestige agent confirms the right limit for your contracts.
Who is Prestige Trucking Insurance?
Prestige Trucking Insurance is the trade name of Prestige International Insurance Group, Inc., an independent commercial trucking insurance agency headquartered at 7200 W McNab Rd, Tamarac, FL 33321. It is licensed in 49 states, specializes in fleets of three or more trucks and can be reached at (855) 643-3881.
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