Program Manager — Transportation
- Alpharetta, GA
The RPS Fleet Trucking Program offers tailored coverage solutions for select trucking operators whose safety, performance, operational characteristics or other risk factors require specialized underwriting evaluation.
Available exclusively through select RPS brokers, the program delivers tailored insurance solutions for fleet operators with 5-50 power units who are committed to improving safety, strengthening operational performance and managing risks over the long term.
Program Highlights
- Available in: AL, AR, AZ, CO, CT, GA, IN, IL, KY, MN, MO, NC, NJ, NM, NV, OH, OR, PA, SC, TN, TX, UT, WI
- AM Best Financial Strength Rating of A+ (Superior) Rated carrier with a stable outlook
- Package requires auto liability and general liability
- Available auto physical damage and/or motor truck cargo
- All policies offered on reporting basic (monthly milage or unit) as determined by the underwriter
Risk Profile
- 3 years minimum for non-fleet (5-14 power units)
- 4 years minimum for fleet (15-50 power units)
- 90% or more owned fleet
- Drivers are 23 with 2 years of CDL experience
- Cameras required (provided with subsidy) and TruckerCloud connection
- Intermediate to long-haul (unlimited) radius
Target Risks
- Aggregates/Dumping
- Agricultural hauling
- Auto/Boat hauling
- Dry bulk/Dry van
- Flatbed
- Oversize/Overweight
- Refrigerated
Targeted Commodities
- Building materials
- Clothing
- Construction equipment
- Electronics
- Food (refrigerated and frozen)
- Furniture
- Grain, feed and seed
- Lumber
- Paper products
- Pharmaceuticals (non-narcotic)
- Store merchandise
- Tires and tubes (new)
- Tractor
- Trailers
- Wine
Prohibited Commodities
- Fuel
- Garbage/Refuse
- Gases in bulk
- Household movers
- Liquids in bulk
- Livestock
- Mobile Homes
Submission Requirements
New Business Only
- Completed trucking application
- Completed RPS Supplemental application
- Addresses of all terminal locations
- Five years of historical power unit counts
- Commodities hauled including percentage breakdown
- Target and/or expiring premium
- Confirmation of whether RPS currently controls the account
New and Renewal Business
- Five years of currently valued loss runs (valued within 90 days of the proposed effective date)
- Driver schedule in Excel format
- Vehicle schedule in Excel format, including stated values if APD coverage is requested
- Four most recent quarters of IFTA reports
- Motor Vehicle Reports (MVRs) valued within 90 days of the proposed effective date
- Please provide documentation of your full-time, on-staff safety director role, along with the following safety culture materials provided to every employee: safety plan, no-device policy, no-passenger policy, and safe driving bonus program.
This program is exclusively available through Select RPS Brokers.
Frequently Asked Questions (FAQs)
We thoroughly review the submission to understand the full picture of the account operations and further reference the industry-accepted Central Analysis Bureau (CAB) report to assess operators flagged for some safety, operational or other indicators of concern in the data among other criteria.
No. A single CAB Alert for a recent fatality can be more concerning than several administrative alerts. We will carefully assess:
- Severity
- Frequency
- Recency
- Trend direction
CAB Alerts do not always result in an increase in premium. Premium is usually influenced by:
- Alert type
- Loss runs
- CSA performance
- Fleet size
- Radius of operation
- Cargo hauled
- Driver turnover
- And other risk characteristics and underwriting factors
Strong controls and favorable loss experience can sometimes offset concerns raised by CAB Alerts.
The alerts themselves are generated based on regulatory and operational data, but fleets can improve their profile by:
- Reducing violations
- Improving CSA scores
- Implementing safety technology
- Conducting driver training
- Addressing maintenance deficiencies
- Challenging incorrect inspections through DataQs when appropriate
High turnover among fleet trucking drivers can suggest potential issues such as:
- Recruiting challenges
- Inconsistent driver quality
- Safety culture concerns
The underwriting team views stable driver retention favorably. However, turnover due to safety issues can be of concern.
Formal fleet trucking driver safety programs are very important. Our underwriters will seek information on the operators:
- Driver handbooks
- Safety meeting schedules
- Accident review procedures
- Drug and alcohol testing programs
- Driver training documentation
Indicators of a strong fleet trucking safety culture include:
- Low driver turnover
- Ongoing training
- Active safety manager involvement
- Telematics monitoring
- Corrective action procedures
- Regular vehicle inspections
- Turnover indicates a top down safety culture, i.e., drivers terminated for accidents, moving violations and other safety concerns.
- Auto Liability must be bound with General Liability
- Auto Liability
- $1M Combined Single Limits (CSl)
- General Liability
- $1M Each Occurrence
- $2M General Aggregate
No, excess liability is not available.
Yes, the geography of the fleet trucking operations is of importance. Underwriters often evaluate:
- Urban versus rural routes
- Frequency of operations in litigation-heavy venues
- Catastrophe-prone regions
- Cross-border exposures
Fleet trucking cargo types — such as allowable commodities or forbidden materials noted above — are material to account eligibility. Agents should clearly identify these materials in their submission to properly underwrite the account including:
- Commodities hauled
- Percent by commodity
- Any hazardous materials
- High-value cargo exposures
Meet Your Fleet Trucking Program Underwriter
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