Auto Liability (Primary)
Bodily injury and property damage. Federal minimums often run $750K–$1M, and contracts frequently demand more.
Trucking & Transportation Insurance
Built for motor carriers, where a single loss can be catastrophic and federal compliance is non-negotiable.
Trucking & Transportation
Insurance built around how you operate
Motor carriers run on thin margins and heavy liability. A single at-fault loss involving a commercial truck can produce a catastrophic claim, and your filings, cargo obligations, and CSA scores all hinge on the right program.
We structure trucking coverage around your radius, commodities, and driver roster — and keep your federal filings clean so your authority stays active.
Request a coverage review
Coverage essentials
Coverage built for trucking & transportation
The core protections we typically structure for businesses like yours:
Motor Truck Cargo
The freight you haul, protected against damage, theft, and — with the right form — spoilage.
Physical Damage
Collision and comprehensive coverage on your tractors and trailers.
Non-Trucking / Bobtail Liability
Coverage for use of the truck when you're off-dispatch.
General Liability
Premises and non-driving operations exposure at your yard or terminal.
Trailer Interchange
Liability for trailers in your care under interchange agreements.
Have a unique exposure?
No two operations are identical. If there's a risk specific to your business, we can structure coverage for it.
Talk to an advisor
From an insurance perspective
What to look for
The details that decide whether a policy actually protects you when it matters:
The MCS-90 endorsement
It's a federal surety, not real coverage. Don't mistake it for your liability or cargo protection — it pays the public, then you repay the insurer.
Radius & commodity match
Coverage rated for local won't respond the same for long-haul, and hauling out-of-class commodities can jeopardize a claim.
Driver MVRs & CSA scores
Carriers underwrite — and re-rate — on driver records and safety scores. Hiring standards directly affect your premium.
Cargo limits & exclusions
High-value or theft-prone commodities, and refrigerated loads, often need to be specifically scheduled.
Reefer breakdown
Spoilage from a refrigeration-unit failure is commonly excluded unless you add breakdown coverage.
Loss runs & deductibles
Prior losses drive renewal pricing. We help you manage claims history and structure deductibles that fit cash flow.
Questions & answers
Trucking & Transportation insurance FAQ
What is an MCS-90 endorsement?
It is a federally required surety that guarantees payment to the public for certain losses. It is not coverage for your own truck or cargo — if it pays a claim, you must reimburse the insurer.
What coverages do motor carriers usually need?
Primary auto liability, motor truck cargo, and physical damage are core, often with non-trucking/bobtail liability, general liability, and trailer interchange depending on the operation.
How do driver records affect trucking insurance?
Carriers rate and re-rate on driver MVRs and CSA safety scores, so your hiring standards and safety program directly influence your premium.
Let's review your coverage
Tell us about your operation and a specialist will identify your real exposures and structure smart, competitive coverage around them.