How Protected Is
Your Trucking Business?

Question 01 / 13

How many power units do you operate?

Question 02 / 13

How many years have you been in business?

Question 03 / 13

Have you had any lapses in insurance coverage in the last 3 years?

Coverage lapses are a major red flag for underwriters.

Question 04 / 13

How would you describe your current safety program?

A formal safety program is a major factor in underwriting and premium pricing.

Question 05 / 13

Do you have a driver training process?

Lack of documented training increases claims risk and OOS exposure.

Question 06 / 13

Have any of your drivers or vehicles been placed Out of Service in the last 12 months?

OOS history directly impacts insurability and pricing.

Question 07 / 13

How often do you review driver MVRs (Motor Vehicle Records)?

Question 08 / 13

Do you know whether your cargo limit matches what you actually haul?

A mismatch here is one of the easiest ways to face a painful claim issue.

Question 09 / 13

Do you have downtime, rental reimbursement, or income interruption protection?

Question 10 / 13

Do you have occupational accident coverage or another plan for driver injury income protection?

Question 11 / 13

Do you regularly inspect vehicles and document maintenance?

Question 12 / 13

When was the last time your trucking insurance was fully reviewed?

Question 13 / 13  Bonus

Do you use dash cams, telematics, or ELD data for coaching and safety improvement?