- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
Commercial Truck Fleet Insurance Solutions
Protect your drivers, vehicles, cargo, and bottom line with tailored coverage and risk management tools for growing operations.
Our Trucking Insurance Insurance Partners
Who We Serve
We specialize in insurance for commercial fleets, whether you’re hauling freight regionally, operating heavy equipment, or running service routes. From long-haul trucks and hotshot rigs to cement mixers, contractor fleets, last-mile delivery vans, and municipal vehicles, we design insurance solutions that align with your specific risks, operations, and compliance requirements.
Industries We Insure
Trucking & Logistics (Dry van, reefer, flatbed, LTL, hotshot)
Construction & Contractors (Cement mixers, dump trucks, utility trucks, tool vans)
Oil & Gas Services (Frac sand haulers, water haulers, service trucks)
Landscaping & Lawn Care (Trucks with trailers, crews, and equipment haulers)
Plumbing, HVAC & Electrical (Work vans and box trucks with tools and materials)
Towing & Recovery Services (Light-, medium-, and heavy-duty wreckers)
Waste Management & Recycling (Roll-off trucks, rear loaders, and sweepers)
Food & Beverage Distribution (Refrigerated trucks, box trucks, delivery vans)
Courier & Last-Mile Delivery (Amazon DSPs, independent parcel carriers)
Municipal & Government Fleets (Public works, utilities, law enforcement)
Agriculture & Farm Operations (Grain haulers, livestock trucks, farm service vehicles)
Passenger Transport (Non-emergency medical transport, shuttle services, limos)
Auto Transporters (Car haulers, single and multi-vehicle trailers)
Telecom & Cable Service (Bucket trucks, splicing vans, equipment vehicles)
Need a Different Trucking Insurance Option?
Choose the situation that best fits your operation:
Letâs Build a Policy That Grows with Your Fleet.
Schedule a 1-on-1 review and get a customized quote from carriers who understand large operations.
What Fleet Operators Look For In Insurance
- Reliable Claims Handling â Fast resolutions minimize downtime and revenue loss
- Safety Incentives â Reward good driver performance with lower premiums
- Risk Management Tools â Dash cams, telematics, and coaching support
- Flexible Policy Structures â Scheduled or reporting forms for changing equipment
- Driver Vetting Support â Underwriting that works with your hiring needs
- FMCSA Compliance Assistance â Help with filings, CSA scores, and audits
- 24/7 COI System â Create COIs in minutes on your personalized DOK account system
- Full Visibility Into Your Fleet â Easily access driver, vehicle, and policy information in one place.
Primary Trucker Liability
Required for all carriers with an MC number. Covers bodily injury and property damage you may cause to others in an accident.
This will usually make up the biggest chunk of your insurance premium.
Motor Truck Cargo
Not required by FMCSA, but commonly required by shippers and freight brokers.
This policy protects the goods you haul in case of damage or loss due to fire, collision, theft, or reefer failure. Shippers require this coverage to ensure their products are financially protected while in transit.
Trailer Interchange / Non-Owned Trailer Insurance
Not FMCSA-required, but often required by carriers or brokers.
It provides physical damage coverage for trailers youâre pulling but donât ownâtypically under a trailer interchange agreement. Without it, youâre personally liable for any damage to those trailers.
Non-Trucking Liability (NTL)
Not required by FMCSA, but often required by motor carriers for leased drivers.
This covers liability when your truck is used off-dispatch, like for personal errands. It ensures coverage when you're not under load but still behind the wheel.
Motor Truck Cargo
Required by law in most states if you have employees.
It covers medical bills and wage replacement for drivers or staff injured on the job. Even if youâre a solo operator, brokers may ask for proof of worker coverage, or you might opt for occupational accident insurance.
Physical Damage Insurance
Optional if you own your equipment. But usually required by lenders or leasing companies.
It covers repair or replacement costs if your truck or trailer is damaged due to collision, theft, fire, or vandalism. Itâs essential if you're financing your equipment and want to protect your investment.
General Liability Insurance
Not required by FMCSA, but may be required by brokers, warehouses, or loading facilities.
It covers third-party claims unrelated to driving, like slip-and-fall injuries, property damage at docks, or advertising-related liability. Large logistics contracts often require it for added protection.
Downtime & Rental Reimbursement
It reimburses income loss and rental expenses if your truck is down due to a covered incident. This keeps cash flow stable while you're waiting on repairs.
Roadside Assistance
Breaking down with 80,000 lbs on the road can be costly. This may cover towing, fuel delivery, tire service, lockout assistance, and more. Itâs often bundled with other coverages to reduce costly delays and breakdown-related disruptions.
Umbrella Liability Insurance
Optional but highly recommended. Extends your liability limits beyond whatâs covered in auto and general liability policiesâhelpful for contracts with higher liability thresholds.
DOK INSURANCE IS HERE FOR YOU
Personalized Service for Owner-Operators to Flees
100% customer satisfaction guaranteed
Fast Quotes & 24/7 Certificate Issuance
Trusted by Carriers Across North America
HOW DOK CAN HELP
Shop Around for insurance
Whether you’re a single-unit owner-operator or building a multi-truck fleet, weâll design coverage that fits your exact needs â without overspending. As an independent agency, DOK Insurance shops multiple top-rated carriers on your behalf to find the best combination of price, protection, and policy flexibility. We compare options across liability, cargo, physical damage, and more â so you get real value and the peace of mind that comes with expert recommendations, not sales pressure.
Receive Service the Way You Prefer
Clients can reach us on their terms â by email, phone, text, or live chat during our expanded service hours. We also offer 24/7 self-service tools, including a quick and easy Certificate of Insurance (COI) generator, so you can get what you need anytime, without waiting. At DOK Insurance, convenience isnât optional â itâs built in.
FMCSA & DOT Compliance
Weâll help you navigate federal filings, BOC-3, and insurance minimums to stay compliant and on the road. Our customers benefit from the latest regulatory and industry news, updates and potential risks.
Ongoing Support & Risk Management
Our relationship doesnât end once your policy is issued. At DOK Insurance, we provide year-round support to help you stay protected and proactive. Whether you’re facing an upcoming audit, expanding your fleet, or filing a claim, weâre here to guide you through the process with clarity and urgency. We also review your coverage regularly to ensure it still fits your operation â adjusting as your business grows and risks evolve. With us, you’re not just insured â you’re backed by a partner committed to your long-term success.
Expert Guidance from Day One
We answer the questions you didnât even know to ask â because when you’re starting a trucking company, the paperwork and policy choices can feel overwhelming. From permits and filings to choosing the right limits and endorsements, our team walks you through each step without jargon or pressure. We make sure you understand your coverage, your compliance requirements, and your options â so you can make informed decisions with confidence and focus on growing your business.
Ready for a Quote?
Please fill out just one driver and vehicle and upload any documentation that shows the rest.
Once you submit the form, we will shop around for the following for you.
Here is what we need for the most accurate quote:
- Document showing vehicle schedule
- Document showing all drivers, including name, date of birth, driver’s license and state, and date of hire
- IFTA reports for the last 4 quarters
- Loss runs for the last 3 years (5 years preferred
Letâs work together
Get in touch today and receive a complimentary consultation or instant quote
Fleet Carrier FAQs
1.How do we manage driver compliance across the fleet?
We provide onboarding support, MVR checks, and driver schedule tools to ensure every driver listed remains compliant with your policy and DOT requirements.
2.Can you help us negotiate better rates as we scale?
Absolutely. As your fleet grows, DOK reevaluates your risk profile to renegotiate terms with underwriters. We routinely secure better rates for well-managed fleets.
3.How are vehicles added or removed from a fleet policy?
Simple. You can add or remove units through our 24/7 client portal or by contacting your DOK account manager. Updates are confirmed in real time with new ID cards issued immediately.
4.Whatâs the best way to handle multi-state operations?
We build radius-appropriate, state-specific policy structures that keep your authority in compliance no matter where you operate. DOK understands interstate complexity.
5.Can we consolidate policies across different types of units?
Yes. Whether you operate dry vans, reefers, box trucks, or power-only, we can bundle them into a unified fleet policy to simplify billing and claims management.
6.Can you help us create a fleet safety plan?
Yes. We offer consulting on fleet safety programs, telematics integrations, and risk management strategies to lower incidents and improve insurability.
7.Do you work with third-party logistics providers (3PLs)?
We routinely collaborate with 3PLs to ensure your documentation, limits, and COIs meet contractual standards for freight opportunities and warehousing.
8.Whatâs the best way to issue COIs quickly for brokers and shippers?
Use our client portal or mobile app to generate COIs instantly, 24/7. You can list additional insureds, update holders, and resend as neededâall without waiting on us.
9.How often should we review our fleet policy?
DOK recommends a quarterly review or after any expansion, major claim, or compliance change. Weâll meet with you routinely to ensure your coverage evolves with your operation.
10.Can you help with DOT audit preparation?
Yes. We assist with record-keeping, filings, driver qualification files, and insurance documentation so your DOT audit goes smoothly. Compliance is part of our service.