A clean renewal submission helps a trucking business avoid last-minute delays and gives the insurance team a clearer picture of the operation. Use this checklist 45–60 days before your policy expiration date.

Business and operating information

  • Legal business name, DBA and current contact information
  • USDOT and MC numbers, operating authority status and states entered
  • Current vehicle, trailer and driver schedules
  • Typical and maximum operating radius
  • Commodities hauled and any excluded or specialized cargo
  • Projected annual mileage and revenue

Documents to gather

  • Current policy declarations and renewal offer
  • Three to five years of currently valued loss runs when available
  • Driver motor vehicle records and commercial-license details
  • Vehicle registrations, lease agreements and stated values
  • Safety policies, training records and corrective-action documentation
  • Contracts requiring special limits, additional insured status or trailer interchange

Review changes before renewal

Tell your insurance professional about new drivers, equipment, terminals, commodities, contracts, states, mileage or business entities. A material change discovered after submission can delay underwriting or affect eligibility. Verify every VIN, driver name and coverage limit before signing.

Questions to ask

  • Are liability, cargo and physical-damage limits aligned with current contracts?
  • Is trailer interchange needed for non-owned trailers?
  • Does the operation need reefer breakdown, hired/non-owned auto, general liability or workers’ compensation?
  • What payment, inspection, telematics or loss-control requirements apply?
  • Which documents must be completed before coverage can be bound?

Start early

Pricing and eligibility depend on underwriting, safety information, driving records, requested coverage and carrier approval. This checklist is general information, not a quote or promise of coverage. For help reviewing an upcoming renewal, call 1-877-214-8848 or get a trucking rate indication.

Frequently asked questions

When should a trucking company begin renewal preparation?

Starting 45–60 days before expiration provides time to gather loss information, correct schedules and respond to underwriting questions.

Should every driver and vehicle be listed?

Provide a complete current schedule and identify expected changes. The carrier determines final acceptability and coverage treatment.

Are loss runs always required?

Requirements vary by carrier and program. Provide them when available and ask what alternatives may be accepted.