Industries · 04
Transportation & Logistics
Commercial trucks, delivery fleets, freight vehicles, and specialty transportation.
Transportation businesses haul property for others, which is underwritten as trucking rather than as a contractor or service fleet. Insurance companies look closely at operating authority, years of experience, driver qualification, safety scores, commodities, and radius. We work with established transportation operations with a track record; new ventures without operating history face a much narrower market.
Industries in this category
- Local & Regional Freight CarriersStraight trucks and tractors running regional freight.
- Box Truck Delivery CompaniesBox trucks delivering for shippers and retailers.
- Last-Mile Delivery ContractorsCargo vans and step vans on dense delivery routes.
- Refrigerated Trucking CompaniesReefer trucks and trailers hauling temperature-controlled freight.
- Flatbed & Equipment Hauling CompaniesFlatbeds, step decks, and lowboys moving equipment and materials.
- Dump Truck & Aggregate Hauling CompaniesDump trucks hauling sand, gravel, and aggregate.
- Port Drayage & Container Transportation CompaniesTractors moving containers between ports, rail, and warehouses.
- Moving & Storage CompaniesBox trucks and tractors moving household and commercial goods.
- Furniture & Appliance Delivery CompaniesBox trucks with two-person delivery and installation crews.
- Towing & Vehicle Recovery CompaniesWreckers, rollbacks, and heavy-duty recovery units.
What underwriters focus on
- Operating authority, USDOT and MC numbers, and safety record
- Years in business and the owners’ trucking experience
- Driver qualification files, CDL experience, and MVRs
- Commodities hauled, radius, and states entered
- Owner-operators, leased units, and trailer interchange
Coverage worth reviewing
- Auto liability at the limits required by regulations and shippers
- Federal and state filings, including MCS-90 where required
- Motor truck cargo
- Physical damage on tractors, trucks, and trailers
- Trailer interchange and non-trucking liability where applicable
- General liability and umbrella or excess
Where we fit. We work best with established businesses running several vehicles, often 5 to 50, with current commercial auto coverage and a reason to review it. Eligibility depends on the operation and the insurance companies involved.
Questions fleet owners ask
Do you work with new trucking companies?
Our focus is established operations with operating history and experienced drivers. New authorities face a much narrower insurance market; tell us about your experience in the review form and we’ll be straightforward about whether we can help.
What will we need for a trucking submission?
Typically your USDOT and MC numbers, loss runs, vehicle and driver schedules with CDL details, commodities and radius, and current policies. We’ll tell you what’s missing.
Ready for a serious look at your fleet program?
Start with what you have. We’ll tell you what we need next.