From people who understand trucking
Trucking insurance for small fleets
Work directly with Carol Corey, who has spent 25+ years exclusively in trucking. Not a call center. Not a generic desk. One specialist who knows your operation.
Straight answers. Real conversations. No pressure.
Prefer to talk? Call Carol directly at 1-800-843-3069, Ext. 276
Carol Corey
STAR, TRS | Trucking Insurance Specialist
Most trucking companies are running on coverage they've never had fully explained.
I’ve seen it for over 25 years. The gaps usually don’t show up at renewal. They show up the day a truck is down, a load is damaged, or a driver is hurt. By then, it’s too late to fix them.
A quick review with a specialist can find these before a claim does.
Where small trucking operations are most often exposed:
- Physical damage coverage that doesn't match the real value of the truck and trailer.
- Cargo coverage that doesn't fit what you actually haul.
- No plan for income lost while a truck is out of service.
- Owner-operators with no protection if they are injured and can't drive.
- Coverage written for a different operation, radius, or commodity than you run today.
The claim is only part of the cost.
When a truck has an accident, the bill goes far beyond the deductible. A specialist helps you see the full picture before it happens.
Downtime
Every day a truck sits is a day it isn’t earning.
Driver turnover
Good drivers don’t stay with operations that feel unstable.
Lost contracts
A bad stretch can cost you a customer you spent years winning.
Premium increases
One loss can reshape your pricing for years.
Here's what happens after you reach out.
Owners who get the best outcomes start the conversation 90 to 120 days before renewal, while there is still time to improve their position with carriers. Waiting until the notice arrives limits your options.
You send your details
It takes about two minutes. Tell me about your trucks and when you renew.
I review your operation
I'll look at how you run, what you haul, and how a carrier will see your business.
You get straight answers
I'll call to walk you through your options and point out where you may be exposed.
Meet Carol Corey
STAR, TRS | Trucking Insurance Specialist
I’ve spent 25+ years working exclusively in the trucking industry. Trucking is not one of the lines I write. It’s the only one.
My job isn’t to sell you a policy. My job is to make sure you understand your risk, know where you’re exposed, and have a strategy that actually protects what you’ve built.
1-800-843-3069, Ext. 276
Built for small operations.
Small operations get specialist attention here. Fleets of 10 units and under are my focus.
New ventures
Get your authority and coverage right from day one.
Owner-operators
Protect your truck and your livelihood.
Small fleets
A program built around how you actually operate.
Running more than 10 units? I can still help!
Why do trucking companies choose Phelan?
Carriers see a story about your operation.
How your operation is presented to the market affects your pricing, your coverage options, and your long-term insurability.
You see the full cost of risk, not just the premium.
Downtime, lost contracts, driver turnover, and premium increases all compound. I help you plan for the whole picture.
You work with the person who knows your account.
Straight answers and real conversations from one specialist who treats your business like it matters.
FAQ
How does my CSA score affect my insurance premium?
Your CSA score is one of the first things an underwriter pulls before quoting your renewal. A high score signals risk, even if it’s from a single bad inspection, and it can drive your premium up regardless of your actual claims history.
When should I start shopping for trucking insurance?
Ideally, you want to get out ahead of the typical 90-day renewal window. If you wait until the last minute, it may already be too late to do anything to improve your rates this year.
Do you work with brand new trucking companies?
Yes! I help new ventures get their authority and coverage in order from the start.
What does commercial trucking insurance cover?
A typical commercial trucking policy includes auto liability, physical damage to your trucks and trailers, cargo coverage, and often general liability and workers’ compensation.
The right mix depends on what you haul, how far, and how your business is structured. We customize your policy to fit your particular operation.
Do you only work with large trucking companies?
We work with owner-operators, small fleets, and large fleets alike. Wherever you are in that range, the goal is the same: build a program that keeps up as your business grows, not one you’ll outgrow in a year or two.
What should I have ready?
It helps to have your current declarations page, your list of trucks and drivers, and your loss runs if you have them. Don’t have everything? Send what you have and I’ll help with the rest.