Lancer Insurance

Long-haul trucking

Targets owner-operators and small fleets, including leased operators needing non-trucking liability. Fleets with 10+ power units need discretionary underwriting.

The underwriting guide excludes Alaska, Washington DC, Hawaii, Louisiana, Massachusetts, New Hampshire and West Virginia from policy issuance.

New ventures may be accepted with one power unit, subject to approval. A new authority is not the same as an inexperienced driver.

Drivers should have two years in comparable vehicles and routes. Drivers under 25 require management discretion.

Long-haul options include auto liability up to $2 million, physical damage, cargo and general liability. Physical-damage deductibles range from $1,000 to $5,000.

The long-haul cargo form includes reefer breakdown and operator error, without a separate or higher reefer-breakdown deductible. Policy terms apply.

The 1–3 unit checklist asks for operating radius, metros, commodities and values, DOT/MC numbers, drivers, vehicles, loss history and four quarters of fuel-tax reports.

For 4+ units, the checklist adds current driver records, a detailed vehicle schedule, current-year and four prior years of loss runs, and an account overview including planned growth.

Local and intermediate trucking

A separate program serves Connecticut, New Jersey, New York and Pennsylvania: local routes within 50 miles and intermediate routes up to 300 miles.

Optional deductible and downtime cover

The optional Combined Deductible endorsement uses the highest applicable deductible for a covered truck, trailer and cargo loss. All involved equipment needs physical-damage and cargo cover on the same Lancer policy; trailer interchange is excluded.

Deluxe is available for 1–9 units with physical damage and/or cargo. Family Emergency Travel requires Deluxe and excludes non-trucking policies.

Deluxe pays up to $100 per day for up to 30 days after a covered loss. For repairs, eligibility starts on the sixth day after Lancer agrees to pay and the repairer receives approval; total-loss eligibility starts when the loss is reported.

Premium and payment arrangements

Coverage requires an individual quote. The public trucking page gives no standard annual premium or guaranteed savings.

Annual payment, financing, direct billing and agency installments are listed. The $1,500 premium threshold applies to installment-plan eligibility, not a quoted policy price.

Credit-card vendors may charge processing fees. Lancer lists a possible $25 insufficient-funds charge, separate from bank charges.

Obtain the policy’s cancellation and return-premium terms. Online payments can take three business days to post and do not automatically stop cancellation or reinstate coverage.

Online-payment customer support is listed Monday–Friday, 9 a.m.–5 p.m. ET. This differs from round-the-clock accident reporting.