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Trucking & transportation insurance

Insurance built around your authority and your operation.

An owner-operator leased to a carrier, a new authority getting active, a reefer fleet, and a freight broker are not the same business, and they should not carry the same policy. We are independent, so we build the program around how you actually run: your authority, your radius, your cargo, your drivers, and the filings the FMCSA requires.

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The real risk

The claim is rarely the surprise. The gap is.

A leased owner-operator with no bobtail coverage. A reefer load spoiled by a breakdown the cargo policy excluded. A new authority that never activated because the filing and the effective date did not line up. A broker on the hook because the carrier's cargo coverage failed. The damage usually comes from a gap between how you operate and what the policy actually covers. We build the program so the surprise does not happen.

By operation

Coverage shaped to how you run.

Every operation carries different authority, cargo, and filing needs. Start with yours.

Owner-Operators

Own authority or leased on, done right.

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Small Fleets

Coverage coordinated across 2 to 10 trucks.

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New Authority

Get insured, filed, and active.

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Box Trucks

For-hire freight or local delivery.

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Hotshot Trucking

Time-sensitive loads, medium-duty rigs.

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Dump Trucks

Road and jobsite exposure together.

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Tow Trucks

On-hook and garagekeepers built in.

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Reefer Trucking

Refrigerated freight and breakdown.

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Flatbed Trucking

Open-deck freight and securement.

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Moving Companies

Household goods, in-home, and storage.

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Auto Transporters

Vehicles as high-value cargo.

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Courier & Last-Mile

Many drivers, many stops, contracts.

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Freight Brokers & Logistics

Broker liability, contingent cargo, bond.

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Intermodal & Drayage

Containers, chassis, and port access.

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Expedited Trucking

Time-critical, high-value freight.

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Oversize & Overweight

Permits, escorts, and heavy-haul limits.

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By coverage

The coverages a motor carrier actually needs.

Primary Liability

Auto liability and the FMCSA filing.

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Motor Truck Cargo

The freight you haul.

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Physical Damage

Your tractor, trailer, and equipment.

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Trailer Interchange

Non-owned trailers in your care.

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Bobtail / Non-Trucking

For leased owner-operators.

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Truckers General Liability

Premises, loading, and operations.

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Workers Comp / Occ Accident

Driver injury coverage.

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Commercial Umbrella

Excess limits over your program.

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Reefer Breakdown

Spoilage from a refrigeration failure.

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Freight Broker Liability

The broker's professional exposure.

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Contingent Cargo

Backstop when a carrier's cargo fails.

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Warehouse Legal Liability

Goods in your storage or care.

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Pollution Liability

Spills and releases beyond the MCS-90.

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Authority & filings

Filings, not just policies.

Trucking insurance is tied to federal filings and authority. We help you understand the filings and how coverage activates them. This is general information, not legal or FMCSA advice.

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Compare your coverage

Not sure your coverage matches your operation?

Answer eight quick questions about your operation, authority, radius, and cargo and get a clear, educational read on where your program may have gaps: liability, cargo, physical damage, bobtail, filings, and more. No pressure, no obligation.

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We match coverage to your operation and authority
We check cargo, radius, and filing requirements
We line up liability, cargo, and physical damage
You get a clear read, no obligation
When carriers call us

Reviews, requirements, and new authority.

Most of what a carrier needs is a clear answer at a moment that matters: a new contract's insurance requirements, a renewal increase, getting an authority active.

Coverage Review

A second opinion on whether your coverage fits.

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Insurance Requirements Review

Check a shipper, broker, or contract requirement.

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New Authority Help

Coverage and filings to activate your authority.

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By state

Federal rules are the same. State rules are not.

Intrastate authority, state minimums, weight taxes, and workers comp change at the state line. Pick yours.

Oregon California Washington Idaho Utah Nevada Arizona Montana Colorado Texas New Mexico
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Learn

Guides, answers, and a glossary.

Plain-language trucking insurance education, plus the filings and compliance pointers carriers actually need.

Trucking Learning Center

Guides and straight answers, organized by topic.

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Filings & Compliance

Authority, BMC-91, MCS-90, BOC-3, UCR, IFTA/IRP.

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Trucking Glossary

Bobtail, MCS-90, trailer interchange, and more.

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Why carriers work with us

We speak authority, filing, and cargo.

Independent means your interests come first. We translate how your operation actually runs into coverage that fits and filings that activate, and we are there when a claim or a renewal happens.

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