Truck insurance renewal checklist
Tick off what you have, add your renewal date, and see what's left and how much time you have.
Your renewal
Where you stand
Pick how you run above to build your list.
Questions people ask5 short answers
When should I start my truck insurance renewal?
30 to 45 days before your renewal date. Insurers need time to review loss runs, driver records and your truck list, and loss runs alone can take a week or more to arrive.
What are loss runs?
Reports of your claims history from each insurer. Underwriters price your renewal from them. Your current agent or insurer provides them; request them in writing.
Do I need to report truck and driver changes during the year?
Yes, as they happen. At renewal the list should match what's actually running, because a truck or driver that isn't listed can cause problems at claim time.
What is a waiver of subrogation?
Your insurer gives up its right to recover a claim payment from that certificate holder, even if the holder was partly at fault. Brokers, shippers and some lessors require it in writing before dispatching loads.
Is it cheaper to split my truck insurance between companies?
Sometimes. Insurers specialize, so splitting liability from physical damage or cargo can save money. It adds a second renewal date and more paperwork, so it's only worth it if the saving is meaningful.
Who built this
I'm Alex Kuchkarov, an independent trucking insurance broker. Most renewal headaches I see come from starting too late: loss runs that take weeks, a truck list that doesn't match, a certificate holder nobody updated. Start 30 to 45 days out with this list.
This page is educational. It is not a quote, a policy or an underwriting decision. Help from a person is always here if you want it; it isn't required.