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About Fleet United

Fleet United is a specialized commercial insurance advisory firm focused on Commercial Auto Liability and Workers’ Compensation for fleet-based operations.

 

We partner with companies in construction, transportation, and other fleet-intensive industries—helping them navigate one of the most challenging insurance environments in decades.

 

We are not a traditional brokerage.

 

We are strategic partners, combining data analysis, operational consulting, and underwriting expertise to reduce total cost of risk and improve long-term profitability.

The Market Reality

The Market We Operate In

 

The commercial auto and workers’ compensation markets have fundamentally changed.

Rising claim severity, nuclear verdicts, social inflation, and increased underwriting scrutiny have created a sustained hard market—where carriers are more selective than ever.

In this environment, simply “shopping insurance” is no longer enough.

Companies must operate and present themselves as best-in-class risks in order to secure competitive and sustainable coverage.

Who We Work With

Who We Serve

 

We work with businesses where fleet exposure is central to operations, including:

  • Construction and material hauling companies
  • Aggregate, sand & gravel haulers
  • Fuel and environmental risks
  • Distribution and logistics operations
  • Contractors with significant vehicle exposure

Our clients are not looking for the cheapest option.

They are looking for a partner who can help them win in a difficult market.

Our Approach

We believe better outcomes start with better data—and better decisions.
Every engagement begins with a detailed analysis of:
  • CAB reports and alert activity
  • CSA/SMS scores and violation trends
  • Loss runs, claims development, and reserve levels
  • Driver performance and fleet composition

From there, we work alongside our clients to implement operational improvements—from driver policies and telematics to safety protocols and inspection procedures.

The goal is simple:

To transform your business into the type of risk that underwriters actively want to insure.

What We Do Differently

Most brokers focus on placing coverage.

We focus on engineering better risk.

We don’t just submit your account—we refine it before it ever reaches the market.

Through a combination of data-driven analysis, claims strategy, and operational consulting, we help:

  • Construction and material hauling companies
  • Aggregate, sand & gravel haulers
  • Fuel and environmental risks
  • Distribution and logistics operations
  • Contractors with significant vehicle exposure

Our clients are not looking for the cheapest option.

They are looking for a partner who can help them win in a difficult market.

The Outcome

Our work goes beyond premium savings.

We help our clients:

  • Lower their total cost of risk
  • Improve access to competitive insurance markets
  • Strengthen operational performance
  • Increase profitability and EBITDA

From there, we work alongside our clients to implement operational improvements—from driver policies and telematics to safety protocols and inspection procedures.

The goal is simple:

To transform your business into the type of risk that underwriters actively want to insure.

Why Fleet United

Fleet United was built specifically for companies operating in high-risk, fleet-driven industries.

 

Our focus, discipline, and analytical depth allow us to deliver a level of insight and execution that goes far beyond traditional brokerage models.

 

We are hands-on, data-driven, and committed to helping our clients become best-in-class operators—not just insureds.

Fleet United is not for every company.

We are built for businesses that take their operations seriously—and expect the same from their insurance partner.

If you’re ready to take control of your risk and position your business for long-term success, we’re ready to partner with you.

Our work is grounded in integrity, accountability, and a commitment to doing what’s right—for every client we serve.