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Small Fleet Insurance

We help trucking fleets lower their total cost of risk, improve coverage, and stay compliant. See for yourself what makes us different.

Colonial Trucking Insurance

Trucking Insurance for Fleets from 3 to 10 Trucks

Small Fleet Insurance

Trucking fleets have unique needs and deserve the highest level of client service — that’s why we dedicated an entire division of the company to providing tailored service to companies with trucking fleets.

Fleets we insure

Small Fleets (3-10 trucks)

Our comprehensive trucking fleet insurance program for smaller fleets has the ability to package many of your insurance coverages including auto liability, physical damage, general liability and motor cargo into one convenient policy. Everything is handled in one place at our office, so you won’t have to deal with being transferred to multiple people within different companies.

Most of our trucking fleet insurance carriers will offer safety consulting & seminars and as well as FMCSA compliance at little or no cost to you.

Most small trucking fleet insurance policies will be written on a Scheduled Vehicles basis. Every vehicle that you operate must be reported and listed on your policy. This method eliminates the complexity in premium calculations and also eliminates the potential for premium increases due to higher than expected mileage or revenue. Conversely, if the trucking company has swings in business, i.e. has periods of time when some of its fleet sits, per unit rate wouldn’t be beneficial because the insurance bill is due whether the trucks are in use or not.

Sample Small Fleet Quote:


Fleet Size 7 trucks
Radius 300 miles
Equipment value (trucks and trailers) $155,000
Commodities hauled containers
Years in business 4
Number of claims in past 3 years none
Annual premium for $1m Liability, Uninsured Motorist, Physical Damage and $100k Cargo limit. Includes UIIA endorsement. $51,000
Downpayment $7,500
Pay Plan 10 installments of $4,350

DISCLAIMER: Coverages may vary by state and by insured business. Consult your agent about coverages you may need for your unique situation. Coverage descriptions above are for general information only. Actual coverage is subject to all terms, conditions and exclusions of the policy.

Ready for a personalized quote on owner-operator insurance? Give us a call at (855) 265-9999 or complete our instant quote form for a quick premium indication.


We can provide the following types of truck insurance:

primary liability
physical damage
motor truck cargo
occupational accident
workers compensation
general liability
broker bonds

Some coverage programs can include:

• Rates starting at $400/Month/Truck
• Mileage or Revenue Reporting Form
• 24/7 Access to Certificate of Insurance
• Profit sharing physical damage policies
• Complimentary DOT safety programs
• “A” Rated Insurance Companies

Ready to get started on your quote? Start Your Quote