Small Fleet Truck Insurance - Owner Operator Truck Insurance

Small Fleet Truck Insurance - Owner Operator Truck Insurance

Owner Operator Truck Insurance – Small Fleet Truck Insurance

Commercial Truck Insurance Quotes from 1 to 10 Trucks

Owner Operators – Small Fleet Insurance Requirements and Overview (10 or less power units)

Meeting these requirments offers the opportunity to get some of the best commercial truck insurance rates in the markets.

AttributeLikelyGood Chance
Years in Business3+ years1 to 3 years
% of Owner / OperatorsLess than 50%50%+
Owner / Operator and / or
company driver locations
All in risk in home or adjascent stateMajority in risk home state
or adjascent state
Driver AgesMajority of drivers between ages 26 and 65Small % under age 25 and / or over age 65
Driver ExperienceAll drivers have 2+ years of CDL
experience
All drivers have 2+ years of CDL
experience
Driver TurnoverLess than 35% of drivers hired
within last 12 months
-----
Less than 35% of drivers hired
w/in last 12 months
35% - 50% of drivers hired
within last 12 months
-----
45% - 65% of drivers hired w/in
last 24 months
Driver Profile
(whole comany)
Majority of drivers accident /
violation free for last 3 years
Some drivers have accidents /
violations in last 3 years
Driver Violations
(Individual)
Drivers w/ no major violations &
2 or less minor violations
Drivers w/ 1 major violation or 3
or less minor violations
Driver Accidents
(Individual)
Drivers have no at fault accidentsDrivers with 1 at fault accident
Loss SeverityProfitable each of the last 3 yearsUnprofitable 1 of
the last 5 years
Loss Frequency - Last 3 Years1 or less losses for 1-4 units & 2
or less losses for 5-10 units
2 or less losses for 1-4 units & 2
or less losses for 5-10 units
Driver & Vehicle Out of
Service Rates
Below National Average Above National Average (if
greater than 10 inspections)
Number of SMS AlertsNone1 or 2 with explanation and plan
to address
GrowthLess than 25% 1 year
Less than 50% 2-year
25% - 50% 1 year
50% - 90% 2 year
Our owner operators commercial truck insurance markets are designed for starts up and companies who have not had continous insurance coverage in place for at least 1 year. Or do not meet the requirements for our preferred programs.
We have insurance companies who will allow you to grow at the pace you set for your company. And their rates are very competitive.


AttributeYesMost of the Time
Years in Business1 - 3 years New Authority
Driver AgesMajority of drivers between ages 24 and 65Majority of drivers between ages 24 and 65
Driver ExperienceAll drivers have 2+ years of CDL
experience
All drivers have 2+ years of CDL
experience
GrowthThis depends on your growth plans. Some insurance companies regulate growth and some will allow rapid growth allowed in many cases. We have insurance companies who can help either way.This depends on your growth plans. Some insurance companies regulate growth and some will allow rapid growth allowed in many cases. We have insurance companies who can help either way.
Power Units AgeNone older than 20 yearsNone older than 20 years
JDW Truck Insurance has many different options for your excess trucking liability needs: Some of our insurance markets offer excess liaiblity insurance are:
  • Hallmark
  • Crum & Forster
  • Wilshire & Accpetance
  • Scion
  • James River
  • Chubb Ace
  • Merchants
  • Indian Harbor
We know trucking and the commercial trucking insurance companies. JDW can and will help you find the right commercial truck insurance company to cover your operation with premiums to fit your budget. We shop and compare for you.
  1. Berkshire
  2. Auto Owners
  3. Falls Lake
  4. Progressive
  5. Travelers
  6. Seneca
  7. Great Lakes
  8. Allied World
  9. Allianz
  10. Ace Hazmat
  11. ACE Fleet
  12. United Specialty
  13. Hudson Fleet
  14. Markel
  15. Chubb
  16. Arch
  17. Acuity
  18. A-One RRG
  19. Tokio Marine
  20. Sompo International
  21. National General
  22. Lexington
  23. Lancer
  24. Easter Atlantic Insurance Company
  25. DB Insurance
  26. AIG
  27. Great American
  28. ACE / Westchester
  29. NICO
  30. National Casualty / Nationwide
  31. Scottsdale Brokerage
  32. IAT
  33. Crum Forster
  34. Canal
  35. Northland
If you do not see an insurance company on this list. It does not mean we do not do business with them.
  • Primary Liability High Limits
  • General Liability
  • Motor Truck Cargo
  • Physcial Damage
  • UIIA Intermodal
  • Trailer Exchange
  • Hazmat
  • High Risk
  • Cancelled or Non-Renewed
  • Excess Liability with High Limits
  • Rapid Growth Programs
  • Federal and State Filings
  • We offer coverages in any combination you require
  • Small and Large Fleets of any Size
  • Owner Operator of any size
  • Rapid Growth Programs
  • For Hire Truckers
  • 100 Mile Radius Truckers
  • 300 Mile Radius Truckers
  • 500 Mile Radius Truckers
  • Unlimited Mile Radius Truckers
  • Long Haul Trucking Operations
  • Intermediate Trucking Operations
  • Grain Haulers
  • Agricultural Products (Grains, Produce, General Farm Freight)
  • Fertilizer (Bagged, Bulk, Liquid)
  • Horse Haulers
  • Livestock Haulers
  • Milk Haulers
  • Lumber Haulers
  • Logging Trucks
  • LPG Haulers
  • Wood Chip Delivery
  • Produce Haulers
  • Pulp Wood
  • Dirt, Rock, Sand, Or Gravel
  • General Aggregate Products
  • Hay Haulers
  • Asphalt And Paving
  • Cement Or Ready Mix
  • Contaminated Dirt Or Dirty Dirt
  • Contractors’ Equipment
  • Construction Equipment
  • Heavy Equipment
  • Machinery
  • Heavy Haul
  • Building Supplies
  • Pre-Fabricated Buildings
  • Pre-Fabricated Concrete
  • Ready Mix Operations
  • Pallet Haulers
  • Pipe Haulers
  • Wholesale Food Distribution
  • Dry Food Products
  • Refrigerated Products
  • Dry Freight
  • Milk Haulers
  • Liquid Food Products
  • Seafood Delivery
  • Crude Oil Haulers
  • Water Haulers (Including Fracking)
  • Contaminated Dirt Or Dirty Dirt
  • Diesel Fuel Hauler
  • Gasoline Hauler
  • Chemical Haulers
  • Jet Fuel Haulers
  • Coal Haulers
  • Butane Hauler
  • Propane Hauler
  • Fertilizer (Bagged, Bulk, Liquid)
  • Fracking Liquids
  • Hazardous Waste Haulers
  • Home Heating Oil
  • Fuel Haulers
  • Garbage Haulers
  • Waste Oil
  • Waste Disposal
  • Tank Trucks
  • Recycled Grease Or Oil
  • Recyclables
  • Oil Filled Equipment Haulers
  • Scrap Metal
  • Lab Waste Haulers
  • Medical Waste Haulers
  • Bio Hazard Haulers
  • Medical Equipment Haulers
  • Pharmaceuticals
  • Auto Transport
  • Auto Parts Haulers
  • Boats
  • Car Carriers
  • Mobile Home Totter
  • Container Haulers
  • Containerized Freight
  • Dump Truck Operations
  • Explosive Hauler
  • Hazardous Goods
  • Bulk Liquid Haulers
  • Metal Dealers
  • Metal Transporters
  • Mining Equipment
  • Office Equipment Haulers
  • Paper Products
  • Retail Delivery
  • Steel Haulers
  • UIIA Hauler
  • Wholesale Delivery

Your Support Team

We are family owned and operated. This means when you need help and contact us. You will not be talking to a stranger everytime.


Joe D Wells JDW Truck Insurance Our team is comprised of Transportation Risk Specialists - TRS. This designation is earned by those who are dedicated solely to transportation industry - trucking insurance. We are members of the Motor Carrier Insurance Education Foundation Joe brings a strong background in the transportation insurance industry plus he was in investment banking for 20 years.
  • Joe Wells - TRS - Team Leader
  • Walter Cox - TRS
  • Josh Charles - TRS
  • Lyndsey Mishler - Operations and In-House Underwrting
  • Sarah Hudelson - Account Managment
  • Lily Guzam - Claims

Our team is fast and responsive to the needs of our clients. It is important for our clients to know who they are talking to and not to have to talk to a strange when they contact us. You are not just a policy number with us. We look to grow partnerships and help you find the right coverages year after year for your trucking operation. And at the most affordable rates in the commercial trucking insurance markets.
Overview:
  • Our team works with our clients one on one.
  • We are easy to contact.
  • We respond quickly to our clients.
  • Endorsements: Our full time endorsement department will respond to your request for equipment / driver changes very quickly. We will explore your options and let you know which maybe the best fit for your operation.
  • COI: We offer 24/7 Certificate of Insurance.
  • Claims: In house claims support.
  • Our customer service is second to none.
  • Our knowledge of commercial trucking insurance is second to none.

Our team will support you in helping you operate your trucking company the way your want to run it. We are very good at finding the right solutions for our clients.

Our Truck Insurance could Save you Money

Start Your Quote Here

This information is not required at this time. However if have this information ready to send. This can help speed up the quoting process.
  • Loss runs report
  • Owner information: Full name, DOB, DL#, State issued, # of years with CDL and does the owner drive
  • Drivers: Full name, DOB, DL#, State issued, # of years with CDL. # of years with a CDL and hire date
  • Equipment list: Year make model VIN# and stated value. For trailers: What type of trailer
  • Last 4 quarters of IFTA Reports
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    Owner Operator Truck Insurance – Small Fleet Truck Insurance

    We have trucking insurance programs for long haul trucking and short haul trucking companies