Small fleet — 2 to 10 power units.
The fleet size where rookie carriers eat 15-20% you don't have to pay.

The operator-level reality.

You crossed the 1-truck line and now you're running 2 to 10 units. Your last renewal landed on a single-carrier whole-policy push because that was simpler for your old agent. Simpler is not cheaper. At 2-10 units the spread between best-fit carriers per line typically opens up — the cargo carrier who's sharp on your commodity isn't always the AL carrier who's sharp on your radius.

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 →

Situational add-ons

• TI · Trailer Interchange Physical damage to trailers and chassis you're hauling under an interchange agreement. Mandatory for intermodal / drayage.  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 →
• OA · Occupational Accident Benefit package for 1099 owner-operators — AD&D, weekly indemnity, medical — without triggering W-2 employee classification.  Detail →
• CYB · Cyber Liability ELD, TMS, and dispatch-system exposure. Increasingly required by broker contracts as ransomware on trucking dispatch becomes routine.  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.

Small-fleet losses skew toward driver-mix variance — adding the wrong driver mid-term with one borderline MVR moves your loss ratio more than any other factor. Cargo claims rise with shipper-direct freight (vs broker-furnished, which often carries shipper-coverage layers).

How we handle claims

Per-line carrier routing means cargo claims go straight to the cargo specialty market — not held up at an AL carrier that doesn't underwrite cargo well and slow-pays accordingly. We coordinate reserves across multiple binders so one claim doesn't pollute renewal positioning on unrelated lines.