Commercial Truck & Fleet Insurance

Core coverages

• Primary auto liability — meets FMCSA filing requirements ($750K–$1M+ depending on operation)
• Physical damage — collision and comprehensive for your tractors and trailers
• Motor truck cargo — the freight you're hauling, at the limits your brokers require
• General liability — premises and non-driving business exposure
• Non-trucking / bobtail liability — for leased-on owner-operators off dispatch

What drives your rate

Operating radius, cargo type, driver MVRs, years in business, and how new your DOT authority is. New authorities pay more at first — but there are carriers built specifically for new ventures, and re-shopping at renewal (which we do automatically, 45 days out) is where the real savings show up in year two.

Why agents pass — and we don't

Most standard agencies won't touch new DOT authorities, certain cargo classes, or drivers with a rough MVR. We work with specialty trucking markets every week, so a “we can't write that” from another agent is usually where our conversation starts.