Primary Liability
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
Coverage
Coverage built the way you actually run.
Seven policies for owner-operators and fleets — packaged so nothing overlaps and nothing falls through the cracks.
7 lines of coverageA-rated carriersSame-day filings9-state footprint
Physical Damage
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
Motor Truck Cargo
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
General Liability
Covers premises and operations exposures that auto policies don't touch.
- Premises & operations
- Products & completed operations
- Additional insured endorsements
Non-Trucking Liability
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
Trailer Interchange
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
Reefer Breakdown
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
Not sure which policies you need?
Tell us how you run and we'll put together the right combination — no upsells, no surprises.