What’s $91 Worth? The Coverage That Turns “No” into “Yes” for Small Fleet Owners in 2025

What’s $91 Worth? The Coverage That Turns “No” into “Yes” for Small Fleet Owners in 2025


January 8th, 2025


The New Year signals fresh starts and opportunities to refine strategies, and for Insurance Agents, it's the perfect time to align with solutions that drive revenue while delivering unmatched value to your clients.  With over 710,000 Owner Operators navigating the U.S. roads in 2024—double the number in 2020—there's never been more urgency to address their unique needs.  Workforce Insurance Underwriters' new Small Fleet Truckers Occupational Accident Insurance policy is the perfect tool to meet those needs while fueling your growth in the New Year.  With monthly premiums starting as low as $91 per person, saying "yes" has never been easier—or more affordable.


The Small Fleet Challenge


Small fleets often face two steep hurdles in finding Occupational Accident and Contingent Liability coverage: cost and accessibility.  Many policies on the market focus on larger fleets, leaving small fleets with burdensome premiums or insufficient options that fail to strike the right balance between affordability and robust protection.


Recognizing this gap, Workforce Insurance Underwriters built a tailor-made solution grounded in affordability and flexibility, allowing you to confidently serve this growing trucking segment.


New Year, New Policy


Our new Small Fleet Truckers Occupational Accident Insurance offering is designed to tackle precisely the concerns that small fleet owners typically raise.  With a seamless combination of Occupational Accident and Contingent Liability coverage, this all-in-one policy removes the stress of juggling multiple coverage options.  Best of all?  It starts at just $91 per person per month, with no medical deductible.


Here's how we're delivering value tailored to the needs of small fleets:


  • Comprehensive Coverage: Each policy includes Occupational Accident and Contingent Liability coverage, minimizing administrative complexity.


  • Affordable Premiums: Monthly plans start at just $91 per person.


  • Flexible Options: Bronze, Silver, and Gold plan options are available to suit various risk tolerance levels.


  • Low Entry Barrier: Coverage is accessible for fleets as small as a single driver, making it ideal for organizations just starting.


Why This Matters to Truck Insurance Agents


Close More Deals


What is the most common client hesitation?  Cost.  Our policy drastically lowers that entry barrier at $91/month with a $0 medical deductible.  To put it in perspective, $91 is less than the cost of filling up most trucks in today's fuel market.  Yet, this modest monthly investment covers vital risks that could otherwise derail operations entirely.  Simply put, it's the affordable, high-quality solution small fleets have been waiting for.


Expand Your Client Base


Remember those 710,000 Owner Operators in 2024?  Many are working within small fleets or exploring first-time Occupational Accident sponsorship.  Offering this product in 2025 widens your reach within the growing small fleet sector, helping you build and retain a robust portfolio of satisfied Motor Carriers.


Raise Your Value Proposition


With specialized, cost-effective policies in your arsenal, you position yourself as an expert in small trucking operations.  Motor Carriers and Owner Operators are looking for solutions that address their unique challenges, and this product positions you as the go-to resource for their needs.  When you present affordable coverage with real value, you’re not just selling insurance but building trust and credibility in a highly competitive market. 


New Year, New Opportunities


Entering a new year is always a time for reflection and goal-setting—but it's also a time for new opportunities.  Workforce's new Small Fleet Truckers Occupational Accident Insurance policy not only equips you with a product that resonates with small fleets but empowers you to fulfill their insurance needs without compromising profitability for either party.


Whether your clients are seasoned Motor Carriers or first-time sponsors navigating Occupational Accident Insurance, this solution unlocks scalable success for both you and them.


Getting Started


2025 presents an opportunity for growth in the trucking insurance sector, and there's no better way to start than by offering a solution you can believe in.  Getting started with our policy is simple:



New year, new clients, new opportunities.  Make coverage easy this New Year—for just $91, “Yes” has never been simpler.


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