From people who understand trucking
Commercial Trucking Insurance
Most agents just sell trucking insurance. We help you fix what’s driving your rate increases.
Google Reviews 4.9
The System Is Built Against You
Here’s what’s actually happening. Most agents only show up once a year, right before your policy is up for review, and by then it’s too late. There’s no time left to build a real case for anything better.
That’s the Insurance Dependency Trap. You’re stuck reacting to whatever your current carrier decides, year after year, because no one’s working the problem in between.
Getting out starts with getting ahead of it, long before the clock resets again.
Rates Climb Even When Your Losses Don't
Without someone actively managing your risk profile year-round, you're just absorbing market-wide increases.
You're Not In Control
Your agent shows up at renewal, offers little explanation, and says “this is the best we can do.”
Your Safety Investments Don't Move the Needle
You've tightened driver qualifications, run mock DOT audits, built out a real safety program, and your premium doesn't reflect any of it.
Claims Drag On While Your Trucks Sit Idle
Every day a truck isn't moving is a day it isn't making money, and slow claims service costs you more than the claim itself.
A Safer Fleet Is Cheaper to Insure
Most of our clients don’t have the time or staff to manage driver qualifications, training, and compliance on top of running their business. We can help you build the safety infrastructure your carrier expects, so your fleet gets safer and your premium reflects it.
Fewer violations, fewer claims, lower premiums. It all starts here.
- Hire Drivers Who Won't Cost You Later
One bad hire can undo years of clean claims history. We help you screen for it before it happens.
- Driver File Review
- Hiring & Onboarding
- MVR Reports
- Fewer Violations, Fewer Accidents
Well-trained drivers get pulled over less and have fewer crashes. Both show up on your loss history.
- Mobile Driving Simulator
- Safety Communications
- BASIC Training
- Catch Problems Early
Small issues turn into big claims when nobody’s watching. We help you build a system that catches them first.
- Employee Handbook Review
- IFTA Reporting
- DOT Documentation Requirements
- Audit-Ready, Always
A DOT audit shouldn’t be a scramble. We help you stay prepared year-round instead of reacting after the fact.
- CSA Score Monitoring
- Fleet Safety Manual
- Mock DOT Audit
The Safety Data Your Insurer Pulls Before Every Renewal
Ever wonder how an underwriter views your fleet? We’ll show you.
We pull your numbers from the SMS and SAFER systems and build a plain-English report showing your regulatory exposure. The same data your insurer and enforcement officers are looking at.
The earlier we start, the more time we have to build your case before your next renewal.
Real Fleets. Real Results.
Real trucking companies who stopped waiting for renewal season to fix their insurance, and started seeing the results.
“Everyone is friendly. Response times for questions or concerns is great. Phelan found us a policy when other companies would give us the run around. We appreciate the services provided. Thank you.”
Alien Fleet Services, LLC
“I’ve been in trucking for 30+ years. Phelan Insurance is the only agency that has outdone themselves in service and information. Always there to help.”
Central Indiana Transport Express, Inc.
“One of the best insurance agencies we have ever had experience with. Phelan works really well with educating us and keeping us properly insured. I highly recommend this agency.”
AVA Carriers, LLC
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.
What is the Insurance Dependency Trap?
If the only time you touch your insurance is the 90 days before renewal, the same window your current carrier controls, you’re probably trapped.
Without anyone managing your risk profile in between, every renewal just resets the clock: same reactive conversation, same limited leverage, year after year. Breaking the cycle means working the problem year-round instead of once a year under pressure.
What is RiskView365?
RiskView365 is our year-round risk management program, built for fleets that don’t have the time or staff to track this on their own.
We identify emerging risks your renewal application doesn’t capture, map how they’d actually affect your operation, and keep your insurance strategy aligned with where your business is headed, not just where it’s been.
How much does commercial trucking insurance cost?
It depends on your fleet size, hauling radius, cargo type, driver experience, and safety record.
Two fleets with identical trucks can pay very different premiums based on how well-documented their safety program is. That’s usually the biggest lever a fleet owner actually controls.
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.
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