Commercial truck insurance built the way you actually run.

Federally mandated coverage that pays for bodily injury and property damage you're legally responsible for while operating under your authority.

• FMCSA filings (MCS-90, BMC-91X)
• $750K–$5M limits
• 24/7 certificates of insurance

Protects the equipment your business runs on — from a jackknife on I-40 to a hailstorm in the yard.

• Actual cash value or stated amount
• Collision + comprehensive
• Fast valuation on total losses

Shipper contracts require it. We tailor limits and commodity clauses to what you actually haul.

• $100K standard, higher available
• Reefer, refrigerated & specialty commodities
• Broker-approved certificates

Covers premises and operations exposures that auto policies don't touch.

• Premises & operations
• Products & completed operations
• Additional insured endorsements

Fills the gap when you're not under a motor carrier's authority — running errands, heading home.

• Owner-operator focused
• Pairs with permanent lease
• Affordable monthly premiums

Required by most drop-and-hook programs. We match the limit to the trailer value on the agreement.

• Meets interchange agreements
• Any-trailer or scheduled options
• Fast certificate turnaround

Standard cargo policies exclude mechanical breakdown of the reefer — this endorsement puts it back in.

• Mechanical breakdown coverage
• Temperature deviation claims
• Load-specific limits available