Underwriting Fees on Endorsements

Last updated: September 1, 2026

There are two underwriting fees on an endorsement. An endorsement can trigger one, both, or neither, and you will see any fees that apply directly on the endorsement quote before binding.

Per truck. Charged for each power unit added to the policy. Each line of coverage on the policy charges its own amount, so a truck added to a policy with two lines of coverage carries two fees. 

Per endorsement. Charged once when the endorsement adds $500 or more in premium. This fee is capped at 20% of the premium the endorsement adds.

What to expect

• Endorsement quotes always display the total fees due before you bind.
• Adding a trailer or other non-powered unit carries no underwriting fee.
• An endorsement that adds no premium — an additional insured, a loss payee, a waiver of subrogation or a filing change — carries no underwriting fee on its own.
• Policy fees and broker fees are set when the policy is written and are never re-charged on an endorsement.
• State surplus lines taxes and stamping charges are calculated separately from these fees and shown as their own line items.

Underwriting fees are fully earned

Once charged, an underwriting fee is not returned. It is not refunded on a mid-term cancellation, and it is not returned by a later endorsement that removes the truck or reduces premium — that endorsement returns the premium, not the fees. Removing a truck and adding one back later means the per-truck fee is charged again on the second endorsement.