Top Trucking Insurance Companies in 2025: What Small Fleets Need to Know
If you run a small trucking operation—whether it’s one truck or ten—your insurance needs are different from a mega-fleet. You need strong coverage, affordable premiums, and a claims process that won’t leave you parked for weeks. In 2025, some insurers are stepping up, while others aren’t keeping up with the unique challenges of owner-operators and small fleets. Here’s what to look for and who’s leading the pack.
What Makes a Good Trucking Insurance Company for Small Fleets?
- Flexible underwriting: Can they work with new MCs or small fleets with limited credit?
- Efficient claims process: Will you wait weeks to get paid after an accident?
- Transparent pricing: Hidden fees or unclear deductibles are a red flag.
- Customer service: Do they have real agents who understand trucking?
How to Choose the Right Carrier For Your Trucking Business
- Do they cover your state and type of cargo?
- Can you get COIs (Certificates of Insurance) fast?
- Will they accept your current driver roster?
- Do they offer coverage for trailers, cargo, and liability?
Bonus Tips to Lower Your Premium in 2025
- Use ELD and dashcam data to negotiate safer driver profiles
- Bundle general liability + physical damage + cargo insurance
- Improve safety scores on your DOT record (CSA)
Need help reviewing your options?
At Road Ready Insurance, we specialize in policies built for small fleets.
(954) 698-2662 or email us at [email protected]