Progressive Commercial
Mayfield Village, OH
Commercial auto and truck insurance from Progressive for owner-operators, for-hire carriers and small fleets, with online quotes, federal and state filings and 24/7 truck claims.
Trucking and Freight Broker Insurance Providers
Freight insurance needs differ for carriers, brokers and shippers because their responsibilities differ. Review the actual policy language, limits and exclusions with a licensed insurance professional before relying on a certificate.
Featured listings appear first and are marked Featured. Other listings are shown in no particular order and are not rankings or endorsements.
Great West Casualty Company
South Sioux City, NE
Trucking-focused insurer and Old Republic company writing auto liability, physical damage, cargo, workers comp and risk financing for fleets of one truck to 1,000, sold through independent agencies.
Insurance
Chattanooga insurance agency focused on transportation, placing coverage for trucking companies, freight brokers and 3PLs through a network of insurers, plus broker bonds and safety consulting.
Insurtech MGA and Lloyd's coverholder offering per-load cargo, shipper's interest, motor truck cargo and other freight coverages that can be quoted and bound inside a TMS or load board.
Avalon Risk Management
Schaumburg, IL
Privately held insurance broker for trade and transportation offering freight broker bonds, contingent cargo and auto, E&O, shipper's interest cargo and customs bonds.
Trucking insurance division of Travelers serving owner-operators and fleets since 1948, with auto liability, physical damage, cargo, general liability, risk control and 24/7 claims.
Canal Insurance Company
Greenville, SC
Family-owned trucking insurer in Greenville, SC writing auto liability, physical damage, cargo and general liability for small operators and fleets through general agents.
Sentry Insurance
Stevens Point, WI
Mutual insurer in Stevens Point, WI with a transportation unit writing auto liability, physical damage, cargo, non-trucking and general liability through trucking-focused appointed agencies.
Cottingham & Butler
Dubuque, IA
Privately held national insurance broker from Dubuque, IA with a large transportation practice covering trucking P&C, group captives, safety services, claims management and benefits.
Roanoke Insurance Group
Schaumburg, IL
Specialty insurance broker for logistics and trade, a Munich Re company, offering BMC-84 bonds, contingent cargo and auto, cargo legal liability and E&O for freight brokers and carriers.
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Insurance: Buyer’s Guide
Coverage a carrier should discuss
Primary auto liability addresses covered liability arising from the operation of commercial vehicles. FMCSA sets a $750,000 minimum for most interstate general freight, but a business's operations, cargo and contractual requirements may call for different limits or coverage. Do not treat the regulatory minimum as a complete insurance plan. Explain the equipment, routes, freight types and working arrangements to the insurance professional. Ask how the policy applies to hired equipment, leased vehicles and drivers who are not regular employees. Check the exact business entity and operations covered.
Motor truck cargo coverage concerns covered loss or damage to the goods being transported, subject to the policy's terms. Physical damage coverage concerns the insured equipment itself. Non-trucking liability may apply in defined circumstances when equipment is not being used in the trucking business, but it is not a substitute for primary auto liability. General liability addresses other covered business exposures. Ask how these policies fit together and where gaps could remain. The names of the coverages do not explain all of their conditions, exclusions or responsibilities after a loss.
Coverage and financial security for brokers
Brokers should discuss contingent cargo, contingent auto, general liability and errors and omissions with an insurance professional who understands the brokerage's work. Contingent coverage is subject to defined conditions and should not be assumed to pay whenever a carrier's policy fails to respond. Errors and omissions may address certain mistakes in professional services, depending on the contract. Explain whether the brokerage handles special cargo, international movements or other services that might change its exposures. Ask how claims involving both the broker and a carrier would be handled.
The $75,000 BMC-84 surety bond or BMC-85 trust is a financial security requirement, not the same thing as liability insurance. A bond claim can create obligations for the broker under its agreement with the surety. Ask about the difference between maintaining regulatory security and protecting the business against a covered lawsuit or cargo claim. Check any indemnity agreement carefully. Shippers should also understand which risks they retain rather than assuming that using a broker transfers all responsibility for freight loss, payment disputes or insurance arrangements.
When per-load cargo insurance may fit
Per-load cargo insurance can address a specific shipment rather than relying only on a standing policy. It may be worth discussing when shipment value, cargo type or contractual requirements do not fit comfortably within existing arrangements. Before purchasing, identify who is insured, the freight described, the covered route and the point at which coverage begins and ends. Ask whether loading, unloading, temporary storage or a change of carrier affects the protection. A shipment-specific policy still has terms and exclusions, so purchasing it is not the end of the review.
Compare the per-load policy with any carrier cargo coverage and the shipper's own insurance. Ask which policy would respond first and how a claim should be reported. Do not assume that multiple policies automatically provide a larger recovery or cover every gap. Keep the shipment details accurate and preserve evidence of the coverage purchased. If the shipment changes, ask whether the insurance needs to be updated. A useful decision considers the cargo, the parties' responsibilities and the coverage already in place rather than treating per-load insurance as a universal requirement.
Carriers, agencies and managing general agents
An insurance carrier issues policies and takes on the covered risk according to its contracts. An agency helps arrange insurance and may work with different carriers. A managing general agent can have delegated authority for activities such as underwriting or binding coverage, depending on its arrangement with a carrier. Ask which role each business is performing and which insurer will appear on the policy. Knowing who sold the coverage is not enough; you also need to know who carries the risk and who handles questions after purchase.
Confirm who can change the policy, issue evidence of coverage and assist with claims. Ask whether the person advising you is licensed for the relevant work and location. If several organizations participate, request a clear contact list so your staff knows where to report a loss or request a certificate. Review the policy documents delivered after binding rather than relying only on a proposal. A quote, an application and a certificate serve different purposes, and none should be treated as a substitute for the actual contract of insurance.
What affects premiums and what certificates show
Premiums can reflect operations, equipment, driver information, loss history, coverage limits, deductibles, routes and cargo. Give accurate information rather than leaving out a difficult exposure to obtain a lower quote. Ask what changes you must report during the policy term, such as added vehicles, different freight or new operating areas. Compare proposals on the same assumptions and coverage terms. A lower premium may accompany a higher deductible, a narrower covered operation or an exclusion that matters to your business. The payment schedule is also separate from the overall cost.
On a certificate of insurance, check the named insured, policy dates, insurers, policy numbers, stated limits and the types of coverage shown. Confirm that the name relates to the entity actually carrying the load or providing the service. Review any required endorsements, including additional insured or other contractual provisions, through the appropriate policy documents. A certificate is evidence of information about coverage; it does not rewrite policy language. If something appears inconsistent, ask the issuing professional to clarify it rather than assuming that a checked box resolves the issue.
Exclusions, claims and questions before buying
Ask about exclusions for the cargo you haul, unattended equipment, theft, temperature changes, packaging, loading and unloading, and operations outside the declared area. These examples are questions to investigate, not a claim that every policy excludes them. Find out how deductibles apply and whether separate limits or conditions affect a particular kind of loss. Ask about contractual liability and indemnity promises made to customers. Insurance may not cover every obligation your business accepts in a broker-carrier or shipper agreement, so review the contract and coverage together.
Before buying, ask for a plain explanation of what is covered, what is not and what you must do after a loss. Identify reporting requirements, required records and the correct claims contact. Keep photographs, shipment documents and communications when an incident occurs, and notify the appropriate parties promptly under the policy terms. Review coverage when your operations change rather than waiting until renewal or a claim. The aim is a clear understanding of risk and responsibilities, not a promise that every possible problem has been transferred to an insurer. This guide is general information, not legal, financial or insurance advice.
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