Commercial Insurance
for Small Fleets & Contractors

We help trucking companies with 3–20 power units secure coverage that meets requirements, supports operations, and grows with their fleet.
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While transportation is our specialty, we also support contractors and small businesses with properly structured general liability and commercial auto coverage.

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Insurance Support for Small Trucking Fleets & Contractors

Contreras & Co. works with small trucking fleets that need insurance to operate, grow, and stay on the road. We specialize in coverage for companies with 3–20 power units, helping fleet owners navigate insurance requirements without unnecessary complexity or pressure.

We also support contractors and artisan trades with general liability and workers’ compensation solutions that help keep projects moving and contracts compliant.
Our approach is straightforward: Understand your operation, structure coverage that fits your business, and support you as your business evolves. Whether you’re renewing, expanding, or reassessing your insurance, we’re here to make the process clear, efficient, and dependable.

Insurance Coverage for Small Trucking Fleets & Contractor Operations

Auto Liability & Physical Damage

Coverage structured for fleet operations, including primary and excess auto liability and physical damage for owned power units, with support for vehicles used in contracting and service-based business operations when applicable.

Motor
Truck Cargo

Cargo coverage aligned with broker and shipper requirements, tailored to your freight type and operating radius, with guidance available for businesses transporting tools, materials, or equipment as part of contracting work.

General
Liability

Insurance that supports terminals, contracts, and business operations beyond the truck itself, including liability needs commonly required for contractors working on job sites or alongside other trades.

Umbrella & Excess Liability

Additional limits designed to support growth, contracts, and risk tolerance for established trucking fleets and contractors taking on larger projects or higher contractual requirements.

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How We Work

We take a straightforward, practical approach to coverage. We start by understanding how your fleet or contracting operation runs, then structure insurance that supports your day-to-day work and continues to fit as your business grows.

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Step 1: Learn Your Operation

We start by learning how your operation runs, including power units, operating radius, freight type, project scope, subcontractor involvement, and how your current coverage is set up today.

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Step 2: Structure the Right Coverage

Based on your operation, we structure coverage that meets insurance and contract requirements and supports how your business actually runs.

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Step 3: Place Coverage &
Document It

We place coverage through trade-focused carriers & specialized wholesale partners and ensure policies & certificates are clearly documented and ready for contract & jobsite requirements.

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