INDUSTRIES
Every mile a truck isn’t moving costs money, and every load carries risk from pickup to delivery. We build insurance programs for trucking and transportation companies around keeping drivers on the road and cargo protected along the way.
Vehicles on the road create constant liability exposure, and claim severity in trucking tends to run higher than typical commercial auto.
Freight in transit is exposed to accidents, theft, and damage the entire time it's in your care, custody, and control.
Long hours, physical loading and unloading, and time on the road all contribute to real workers' compensation exposure.
Loading docks, terminals, and other facility-based operations create liability beyond what happens on the road.
DOT and FMCSA requirements set specific insurance minimums, and falling out of compliance can shut down operations, not just create risk.
Hiring, qualifying, and managing drivers — employees and owner-operators alike — carries its own liability exposure.
Let’s confirm your coverage and DOT filings are aligned before they’re on the road.
Our advisors know the realities of DOT and FMCSA requirements, so recommendations are grounded in what actually keeps your operation compliant and moving.
A coverage or compliance gap can take a truck out of service as fast as an accident can — we help you avoid both.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From a handful of trucks to a multi-terminal operation, we tailor coverage to where your business is today and where it's headed.
1
We learn your fleet, your freight types, your driver structure, and your current coverage and claims history.
2
We identify gaps — cargo limits, owner-operator coverage, compliance requirements — before they become a problem on the road or in an audit.
3
We place your program with carriers who understand transportation risk, balancing coverage, service, and cost.
4
We review your program as your fleet grows, support you through claims, and help you stay ahead of DOT and FMCSA requirements.
Most fleets need commercial auto/fleet liability, cargo insurance, general liability, and workers’ compensation at minimum, with non-trucking liability becoming relevant if you work with owner-operators. DOT and FMCSA requirements also set specific minimums you need to meet regardless of what you’d otherwise choose to carry.
Commercial auto liability covers injury or property damage your vehicles cause to others on the road. Cargo insurance specifically covers the freight you’re hauling if it’s lost or damaged while in your care, custody, and control — a separate exposure that auto liability doesn’t touch.
It depends on the structure of your relationship and whether they’re operating under your authority or their own — this is one of the more commonly misunderstood areas in transportation insurance. We review your specific owner-operator agreements to make sure coverage is structured correctly on both sides.
DOT and FMCSA set specific minimum liability limits depending on your cargo type and operations, and you’re required to file proof of that coverage to operate legally. Falling out of compliance can take your operating authority away, not just increase your risk — we help make sure your coverage and filings stay aligned.
An accident can affect your rates and your safety score, both of which influence future coverage cost and availability. We work with you on loss control and driver safety alongside placement, since managing your claims history is as much a part of controlling cost as the policy itself.
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
