Post by Hemut (YC X25)

Insurance isn't a fixed cost. It's a competitive position, and most small fleet owners are paying like they don't have one. Here's the problem: A 15-truck fleet pays $0.136 per mile for insurance. A 500-truck carrier pays $0.072. Same road. Same risk. Same equipment. That gap? Your competitor is already living in it.

The result: 15–25% premium savings before captive eligibility, dividend returns on unused premium once you're in, and a cost basis that scales with your safety record, not your fleet size. $0.064/mile gap. $39,000–$58,500 recovered annually. $265,000 left on the table every year you don't act. The small fleet owners treating insurance as a decision, not a line item, are already pulling away from the ones who aren't. → Read why most small fleet owners leave $265,000 on the table every year: Hemut/blog.com #SmallFleet #FleetInsurance #CaptiveInsurance #TruckingBusiness #FreightOperations #CostPerMile #FleetManagement #TruckingIndustry #FleetSafety #HemutCore