Truck Insurance Blog
Ten Four Truck Insurance’s experts share insights and best practices on truck insurance, pricing, underwriting, safety, claims and more for owner-operators and fleet owners.
Latest Posts
The Unsafe Driving Correction System: How Fleets Can Stop Risky Behavior Before It Becomes a Crash
How do you actually correct Unsafe Driving behavior before it becomes something more? The answer is surprising simple, but also difficult at the same time. In order to correct Unsafe Driving habits, you need something more than a speech, you need a system. It’s easy...
Unsafe Driving Patterns: The Difference Between Mistakes & Management Problems
Is a single violation the same thing as a pattern? No. A one-time unsafe driving violation is usually a bad day; three or more similar violations from the same driver within a year, or the same violation type showing up across several different drivers, signals a...
Speed vs. Severity: Why You Should Care About Speeding
Why should I pay so much attention to speeding violations? Speed doesn't just make a crash more likely, it makes every crash worse. A slow crash bends a bumper, but a fast crash bends a car or worse. Underwriters aren't pricing your policy based on how often your...
Expert Team
Sam Watts
Director of Safety & Loss Control
Rico Prestia
Senior Vice President of Sales
Scott Slezak
Underwriting Manager
Kendall Woodward
Director of Claims
Featured Categories
Insurance Education
This category covers commercial truck insurance basics: what a policy covers, how claims work, how insurance ratings are determined, and common misconceptions about coverage. Posts break down cargo insurance, physical damage coverage, and non-trucking liability in plain terms, and address specific myths, such as whether physical damage coverage pays off a truck loan. Written for owner-operators and fleet owners who want a clear understanding of their policy before, during, and after a claim.
Myth: Physical Damage Coverage Pays What I Owe on the Truck
Commercial truck insurance isn’t always simple, but at Ten Four, we do our best. That’s why we’re busting common myths about policies and coverage. In this post, we’re tackling a myth we hear all the time about physical damage coverage. The myth: “If my truck is...
Myth: I Can’t Cancel My Truck Insurance Policy Mid-Term
Commercial truck insurance may not be the most exciting topic, but understanding the ins-and-outs can help keep your wheels turning and protect your business. Unfortunately, there are quite a few myths out there that could be costing you money or better coverage. One...
Safety & Compliance
This category covers CSA scores, DOT inspections, and the safety practices motor carriers use to keep their compliance record clean. Posts explain how BASIC scores like Unsafe Driving, Vehicle Maintenance, and Driver Fitness are calculated, what inspectors check during roadside stops, and how safety violations affect insurance premiums. Written for fleet owners, safety managers, and drivers who want practical steps for improving or maintaining a safety rating.
The Unsafe Driving Correction System: How Fleets Can Stop Risky Behavior Before It Becomes a Crash
How do you actually correct Unsafe Driving behavior before it becomes something more? The answer is surprising simple, but also difficult at the same time. In order to correct Unsafe Driving habits, you need something more than a speech, you need a system. It’s easy...
Unsafe Driving Patterns: The Difference Between Mistakes & Management Problems
Is a single violation the same thing as a pattern? No. A one-time unsafe driving violation is usually a bad day; three or more similar violations from the same driver within a year, or the same violation type showing up across several different drivers, signals a...
Regulatory & Legal Updates
5 Trucking Regulations That Will Impact 2026
FMCSA's has over 15 different rule changes in the pipeline right now. Reading a summary of every one of them might make you fall asleep. But luckily, I enjoy reading them. And so I went through every one of them and came away with 5 potential regulations that could...
Authorized Does Not Mean Defensible: What the Montgomery Ruling Means for Your Trucking Company
Most of the conversation around the Supreme Court's decision in Montgomery v. Caribe Transport II, LLC has focused on freight broker liability. And fair enough, the case deals with federal preemption and whether brokers can be sued when a carrier they hired gets into...
Driver Wellness
Wellness Hacks for Truck Drivers That Actually Work No. 1: Alpha Wave Music
Truck driving brings long hours, tough road conditions, and puts a strain on trucker wellness and health. These challenges put drivers’ well-being—and the safety of others—at risk. That’s why we’ve launched a series on proven wellness tips for truckers. Our first...
Mental Grit & Road Smarts: Why Owner-Operator Mental Health Matters Behind the Wheel
It’s no secret that mental health needs to be a priority for everyone in trucking. The U.S. economy relies on truckers. Semi-trucks moved about 72.6% of freight in the country in 2022, according to the most recent data from the American Trucking Association. More...