Commercial truck insurance, written around your operation
Every trucking policy is a stack of separate coverages. Below is what each one actually does, what carriers commonly require, and how we decide what your operation needs.
What goes into a trucking policy
You don't need all of it. You do need to know which pieces your authority, your lender and your shippers are going to ask for.
This is a summary, not a policy. Actual coverage, limits, exclusions and requirements are set by the policy you buy and the state you file in — we'll confirm the specifics for your operation before you bind.
Built for how you're set up
Owner Operator
One truck, your own authority or leased on to a carrier.
Fleet
Two units to two hundred, with drivers on payroll.
New Authority
First year under your own MC number.
Box Truck
Last-mile, expedite and delivery contract work.
Something else?
Sand and gravel, AG haulers, tow, dump, intermodal, and general commercial auto. If it has plates and a business behind it, ask.
What we'll ask
you for
Five things. Have them ready and most quotes come back the same business day.
Email the documents and we'll come back with questions only if something's missing.
01MC and DOT numbers+
Your authority tells underwriters your operating history, radius and safety record. If you don't have one yet, say so — that's a new-venture submission and it goes to different markets.
02Equipment list with VINs and values+
Year, make, model, VIN and stated value for every tractor and trailer. Understating value to save premium is how claims get short-paid — we'd rather set it right.
03Driver list and CDL history+
Names, dates of birth, licence numbers and years of CDL experience. Experience is one of the biggest levers on your premium, so it pays to present it accurately.
04Loss runs and current declarations page+
Three to five years of loss history if you have it, plus what you're paying now. Without the dec page we're comparing guesses instead of coverage.
05Radius, lanes and commodity+
Where you run and what you haul. Some commodities are excluded on standard cargo forms, and a mismatch between filed radius and actual miles is a common claim problem.
Send us the details. We'll bring back the options.
Four questions to start, or call and we'll take it down for you.