Mid-fleet — 11 to 50 power units.
Mature authority. Sharp markets are within reach.

The operator-level reality.

11-50 units puts you in the appetite of carriers most rookie operators never see — Great West, Sentry, Berkshire-NICO for excess layering. Your loss ratio is the conversation now, not your authority age. If you've held 60+ months and your 5-year ratio sits under 50%, you should be paying preferred-tier pricing across the board.

Lines that anchor your program.

• AL · Auto Liability Bodily injury and property damage you cause operating a motor vehicle for hire. The anchor line — every other coverage layers on this one.  Detail →
• APD · Auto Physical Damage Collision and comprehensive coverage for your own tractors, trailers, and equipment. Required when units are financed.  Detail →
• MTC · Motor Truck Cargo Damage to the cargo you're hauling. Required by nearly every broker contract; the line where rookie carriers leak the most premium.  Detail →
• WC · Workers' Compensation State-mandated coverage for on-the-job injuries to your W-2 drivers and employees. Texas is the only fully optional state.  Detail →
• GL · General Liability Premises and operations liability — claims arising from your terminal, yard, or business activities that AL doesn't reach.  Detail →
• XS · Excess / Umbrella Liability Layered limits above your primary AL, GL, and Employers Liability. The line that's no longer optional for any fleet with contractual $5M+ requirements.  Detail →

Situational add-ons

• TI · Trailer Interchange Physical damage to trailers and chassis you're hauling under an interchange agreement. Mandatory for intermodal / drayage.  Detail →
• CYB · Cyber Liability ELD, TMS, and dispatch-system exposure. Increasingly required by broker contracts as ransomware on trucking dispatch becomes routine.  Detail →
• EPLI · Employment Practices Liability Discrimination, harassment, wrongful termination, retaliation claims from employees. Triggered once W-2 headcount crosses 10-15 — especially in CA / NY / NJ.  Detail →
• TR · Trucker's Equipment (Rented) Physical damage to tractors, trailers, and specialty equipment you rent or borrow — distinct from your owned (APD) and interchanged (TI) equipment.  Detail →

Carriers that fit your segment.

From the 12-carrier panel, these are the markets with appetite for your operator profile. Per-line piece-out reaches each one independently.

What we typically see.

Mid-fleet losses become bimodal — most years are clean, but a nuclear-verdict-eligible at-fault with a passenger vehicle can push a single-line loss into seven figures. The XS / umbrella layer earns its premium specifically on this exposure.

How we handle claims

Mid-fleet claims advocacy is about coverage coordination — primary AL, MCS-90 endorsement, XS attachment, possible state-specific filings (Form E in CA / NY / TX). We sit on the call with the adjuster, push for reserve adequacy, and protect the renewal narrative.