Trucking Insurance for Owner-Operators and Small Fleets

Trucking & Commercial Auto Coverage

Every operation is different. We'll walk through what you haul, where you run, and what your contracts require, then shop options that fit.

Primary Auto Liability

Covers bodily injury and property damage you cause to others while operating your truck. For-hire interstate carriers must meet federal minimum limits, and many shippers and brokers require higher limits.

Motor Truck Cargo

Helps protect the freight you're hauling against covered losses such as theft, fire, or a collision. Limits, deductibles, and excluded commodities vary by policy, so we'll match it to what you actually haul.

Physical Damage

Covers your own tractor and trailer for collision and comprehensive losses (such as fire, theft, vandalism, and weather), subject to your deductible and the policy's terms.

Bobtail / Non-Trucking Liability

For leased owner-operators. Non-trucking liability covers liability when you're driving for personal, non-business use. Bobtail coverage applies when you're driving without a trailer. They're not the same thing, and your lease agreement may spell out which one you need. We'll help you sort it out.

General Liability

Covers third-party injury or property damage claims that don't involve driving, like an incident at a shipper's dock or your yard. Many contracts require it.

FMCSA & State Filings

We help coordinate the insurance filings your authority depends on:

• BMC-91X: Filed electronically with FMCSA by your insurer as proof of liability coverage for interstate for-hire authority.

• MCS-90: An endorsement on your auto liability policy that shows you meet federal financial responsibility requirements.

• Illinois Form E: A certificate of insurance filed with the state for certain intrastate for-hire carriers.

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Who We Help

Owner-Operators

Running under your own authority or leased onto a carrier, we'll help you figure out what you need and what your lease already covers.

Small Fleets

From a few trucks to a growing operation, we look at your units, drivers, and contracts to put together coverage that keeps up as you grow.

New Authorities

Just got your MC number? New ventures can have a harder time finding coverage. We'll explain the process, what underwriters look for, and the filings needed to activate your authority.

What to Have Ready for a Quote

• USDOT number and MC number (if you have them)

• VINs, year, make, and model for each truck and trailer

• Driver list with names, dates of birth, CDL numbers, and years of CDL experience

• Loss runs from your current or prior insurer (typically the last 3 to 5 years, if available)

• Current policy declarations page (if insured)

• What you haul, your typical radius, and the states you operate in

• Any contract or lease insurance requirements (limits, additional insureds)

Don't have everything? Reach out anyway and we'll start with what you have.