Protect Your Fleet.
Power Your Future.

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Licensed in 40+ States
Owner-Operators to Large Fleets
New Authorities Welcome
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Built for the People Who Keep America Moving

From a brand new authority to a fleet of 50+ trucks, we specialize exclusively in commercial trucking insurance. We know your world — and we know exactly how to protect it.

Fleet Size
1
Truck

Owner-Operator

Solo and ready to roll. We get you insured fast — even with a brand new MC authority — so nothing slows you down.

2–9
Trucks

Small Fleet

Growing fast? Bundle your trucks under one policy and get better rates as your operation expands.

10–49
Trucks

Mid-Size Fleet

Complex operations need expert solutions. We craft comprehensive policies precisely matched to your risk profile.

50+
Trucks

Large Fleet

Fleet-level coverage backed by dedicated specialists who understand high-volume, multi-unit risk management.

Operator Type

Whether you're just getting started or have years on the road, we have specialized solutions built for your exact situation.

New Authorities

Just got your MC number? We specialize in getting brand new truckers fully insured and on the road from day one.

Independent Owner-Operators

Running under your own authority? We shop top-rated carriers to find you the lowest, most competitive rates available.

Leased On Owner-Operators

Leased to a carrier? Their policy may not cover you off-dispatch. We close that gap with the right coverage.

Established Fleets

Years on the road means leverage. We use your proven track record to negotiate the premium coverage your operation has earned.

New CDL Drivers

Your first mile starts here. We find the right coverage built so you can drive with confidence.

High Risk

When others see risk, we see your next move forward with our superior risk management programs and experts.

Types of Operation

Every Load. Every Lane. Every Type.

Dry Van

The backbone of American freight. Competitive rates for the most common operation.

Flatbed

Exposed cargo, unique risks. Our specialists know exactly what you need.

Refrigerated

Temperature-sensitive loads covered from pickup to delivery.

Auto Hauler

High-value cargo every run. Specialized policies carriers want to write.

Agricultural

Seasonal work, year-round risk. Flexible farm trucking coverage.

Tanker

Liquid and bulk operations with coverage that matches the risk.

Dump Trucks

Construction and material hauling covered by heavy-duty specialists.

Intermodal

Port drayage to long-haul — coverage for every leg of the journey.

5,000+
Policies Written
40+
States Licensed
24/7
Claims Support
A-Rated
Insurance Carriers

Every Mile. Every Load.
Every Risk — Covered.

We offer comprehensive commercial trucking insurance solutions designed to protect every aspect of your operation — from the cab to the cargo and everything in between.

01

Primary Liability

FMCSA-required coverage that protects against bodily injury and property damage. We file your Form BMC-91 electronically to activate your authority fast.

02

Physical Damage

Collision, comprehensive, and fire & theft coverage for your rig. Your truck is your livelihood — we make sure it's protected from every angle.

03

Motor Truck Cargo

Protect the loads you're responsible for hauling. From dry goods to high-value freight, we cover your cargo in transit so your shippers sleep easy.

04

General Liability

Coverage for incidents beyond the cab — at loading docks, customer premises, and anywhere your operation takes you. Don't leave your business exposed.

05

Non-Trucking Liability

Protection when you're operating off-dispatch or for personal use. Essential for owner-operators leased to carriers — close the gap their policy leaves behind.

06

Occupational Accident

Income replacement and medical benefits for owner-operators who don't qualify for workers' comp. If the road sidelines you, this keeps your family protected.

07

Workers' Compensation

Protect your drivers and your bottom line from the financial impact of on-the-job injuries. Required in most states for fleet operators with employees.

08

Trailer Interchange

Covers trailers you operate under interchange agreements that you don't own. If you're responsible for it, you need to protect it — we make that easy.

Got Questions?
We've Got Answers.

Rates depend on your operation type, fleet size, cargo, driving history, and coverage limits. Owner-operators typically see annual premiums starting around $8,000–$15,000 auto liability, while large fleets vary significantly. The best way to find your exact rate is a free quote from our specialists. We shop multiple top-rated carriers to get you the most competitive price on the market.
To obtain and maintain your MC/DOT authority, the FMCSA requires a minimum of $750,000 in Primary Liability (Form BMC-91) for most general freight operations. Hazardous materials carriers require $1,000,000 or more. We specialize in new authority setups. We get your BMC-91 filed electronically so your authority activates as fast as possible.
Yes, and it's critical that you do. Even when your carrier may provide primary liability coverage while you're under a valid lease agreement, you still need Non-Trucking Liability (bobtail) coverage for when you're driving off-dispatch or for personal use. We'll identify exactly what coverage gaps your situation creates and fill them precisely.
In most cases, same day or next business day. Once you complete the quote process and bind your policy, we issue your Certificate of Insurance immediately. For new FMCSA authority filings, we request the BMC-91 filing electronically and it's typically completed within 24–48 hours. We know time is money in trucking.
These terms are often used interchangeably, but technically, bobtail coverage protects your truck when operating without a trailer. Non-Trucking Liability covers you when driving for personal use not under dispatch — whether you have a trailer or not. Both protect gaps your carrier's policy doesn't cover. Our specialists will advise exactly which one (or both) your situation requires.
Absolutely and we love helping new operators launch. We work with insurance carriers that specifically accept brand-new MC authority numbers. Don't let insurance be the thing holding your business back. We'll get you covered quickly and make the insurance side the easiest part of starting your trucking company.
Yes, and in many cases it's required if you have an MC number. We write coverage for 2-truck operations all the way up to fleets of 50+ units. Adding or removing trucks as your business grows is simple, and you'll have one unified certificate to manage. Less paperwork, better rates.
More than 40 states! Whether you're a regional carrier focused in the Southeast or an OTR operation running coast to coast, we have the coverage solutions, the carrier relationships, and the expertise to protect your operation wherever the road takes you. One call, multiple quotes. That's the Trucking Insurance Services difference.

Operators Who Trust Us
to Keep Them Moving.

★★★★★

"Trucking Insurance Services is amazing. The owner and team are great. They strive to go above and beyond the customer's service needs. Exceptional care always. If you're looking to insure your commercial business, this is your team."

Sandra Bellamy Georgia
★★★★★

"The agents at this company care about the little guys. They have been there to answer all of my questions. When you are trying to get that load booked before the next guy, they have your COI in your inbox quick. Trucking Insurance Services is the company you should have on your team."

Jermaine Brown Florida
★★★★★

"I would give these wonderful folks 20 stars. I absolutely would. All of the folks at Trucking Insurance Services are amazing to work with. They provide unmatched customer service and are always just a phone call away. Stop reading this and give them a call!"

Bryan Bost North Carolina

One Call. Covered.
Get Protected in Minutes.

Join thousands of trucking operations across America that trust Trucking Insurance Services to keep them covered mile after mile. Get your free, no-obligation quote right now.

Licensed in 40+ States
Same-Day Certificates
Expert Specialists
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No obligation. No spam. Just expert help.

You're All Set!

A trucking insurance specialist will be in touch shortly — within minutes during business hours, or first thing the next business day.

Call Now: 855-281-2924