Why fleets work with Haul Good
Most agents shop your renewal and hand you the cheapest quote. Underwriters, though, price fleets on what they see in your file: CSA BASIC percentiles, inspection and crash history, driver quality and loss runs. We work on those numbers all year, so your account looks better every time it goes to market.
- CSA and BASIC score reduction: we find what is driving your percentiles and build a plan to bring them down. How CSA scores work.
- DataQs challenges for inaccurate inspections and crashes, and CPDP submissions for crashes that weren't your driver's fault. DataQs · CPDP
- Driver screening: what to look for in PSP reports and MVRs before you hire. PSP reports
- ELD and telematics review to catch hours-of-service and speeding patterns before an inspector or plaintiff does. ELD review
- Loss control and a written fleet safety program that underwriters actually credit. Fleet safety program
- A network of trucking experts for everything else: factoring, accounting, compliance, legal, recruiting and more. The network
What a fleet program includes
| Coverage | What it protects |
|---|---|
| Auto liability | Injury and damage your trucks cause to others; filed with FMCSA |
| Excess / umbrella liability | Limits above $1M for large claims and contracts that demand more |
| Motor truck cargo | Freight in your care, including reefer breakdown if needed |
| Physical damage | Your tractors and trailers; trailer interchange for non-owned trailers |
| General liability | Premises, operations and contractual liability at docks and yards |
| Workers' compensation | Employee drivers and staff injured on the job |
| Occupational accident | Leased owner-operators who aren't covered by workers' comp |
What underwriters look at
- CSA BASIC percentiles, especially Unsafe Driving, Hours-of-Service, Vehicle Maintenance and the Crash Indicator
- Three to five years of loss runs
- Driver list: ages, CDL experience, MVRs, turnover
- Radius, lanes, commodities and equipment values
- Safety program, cameras, telematics and maintenance records
- Years in business, revenue and growth plans
Every item on that list can be improved or presented better. That's the work we do with you between renewals.
Last updated November 10, 2026. Reviewed by a licensed insurance professional at Haul Good Insurance.