Renewal is more than a date on the calendar. Starting the review about 90 days before expiration gives fleet owners time to organize information, identify operational changes, and have a more productive discussion about the next policy term.
Update Your Fleet Schedule
Confirm every power unit and trailer, including additions, disposals, leased equipment, VINs, stated values, and garaging information. Equipment values and usage can change over a year, so an old schedule may not reflect the current operation.
Review Drivers and Operations
- Current driver roster, experience, and licensing information
- Changes in commodities, lanes, operating radius, or states served
- New contracts and insurance requirements
- Changes in fleet size, revenue, or annual mileage
- Safety, maintenance, camera, or telematics practices that may be relevant to underwriting
Gather Loss Information Early
Current loss runs, open-claim status, and a clear explanation of significant losses can help an underwriter understand the account. Waiting until the final weeks before renewal can limit the time available to address questions or present a complete submission.
Review Coverage and Contract Needs
Compare current limits, deductibles, cargo requirements, additional-insured requests, and certificate obligations with the way the business operates today. A renewal review is an opportunity to identify changes, not a guarantee that every requested change or market option will be available.
Request a renewal review with RIG.
This article is general educational information. Coverage, pricing, and eligibility are subject to underwriting and applicable policy terms.
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