📝 The Ultimate Trucking Insurance Renewal Checklist for 2025

By Alex Kuchkarov | A. Kuchkarov Insurance Broker

When it’s time to renew your trucking insurance, there’s no room for mistakes. Whether you’re leased on or running under your own authority, preparing ahead can mean the difference between getting a fair quote and getting stuck with high premiums or lapses in coverage.

Use this guide to make sure you’ve got everything ready—and set yourself up for lower rates, faster approvals, and smoother operations

✅ 1. Update Your Equipment & Drivers

Before anything else, make sure your policy reflects your current operation:

• Truck & trailer list: Remove any units you’re no longer using

• Driver info: Name, DOB, CDL state/number, and years of experience

Even one outdated unit or unqualified driver can delay your renewal—or increase your premium.

✅ 2. Gather the Right Docs

You’ll likely need to provide these documents during renewal:

• Loss Runs for the past 3 years – These show your claims history

• IFTA Reports for the past 4 quarters – Needed for mileage verification

• EIN & cargo details – Be specific: Are you hauling reefer, hazmat, auto parts, paper?

• MC/DOT number status – Make sure your authority is active and in good standing

✅ 3. Review Your Coverage & Billing Plan

This is the perfect time to assess if your policy is still a good fit.

• Liability

• Cargo

• Physical Damage

• Bobtail/NTL

• Occupational Accident (OCC/ACC)

Ask your agent if splitting policies between carriers can lower your rates. And always confirm:

• Your billing method (monthly, escrow, finance company)

• If paid-in-full options or flexible billing could save you money

✅ 4. Don’t Forget Cert Holders

Make a list of everyone who needs to be listed as a certificate holder—and note any special requirements, like:

• Waiver of Subrogation

• Primary/Non-Contributory Wording

Get this done early to avoid delays in dispatch or freight contracts.

🛡️ Bonus Tip: Use a Broker Who Understands Trucking

Working with a trucking specialist like A. Kuchkarov Insurance Broker gives you access to A-rated carriers, fast quoting tools, and renewal support tailored to your business.

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📲 Want help reviewing your policy before renewal?

Get a head start and avoid the scramble. Fill out our secure quote form below and get a preliminary quote within 24 hours.

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Or contact:
Alex Kuchkarov
📞 646-960-7445
📧 alex.k@greatins.com