Auto liability
Primary limits at the level your shippers and brokers require, commonly one million combined single limit with filings attached.
Underwriters price your CSA scores, your driver turnover, and your accident register. The premium follows the safety program, in that order.
Filings and compliance
MCS-90, state filings, and certificate requirements coordinated so a filing delay never takes a truck off the road.
The program we build
The pieces, and what each one is actually for.
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Motor truck cargo
Freight in your care, custody, and control, with attention to refrigeration breakdown, theft, and the commodities you actually haul.
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Physical damage
Tractors, trailers, and upfitted units on a stated amount basis, with gap considerations on financed equipment.
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Trailer interchange
Coverage for trailers you pull under interchange or lease agreements, which your auto liability alone does not address.
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Excess liability
Layered limits over auto, addressing shipper contract requirements and nuclear verdict exposure.
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Workers' compensation and occupational accident
Employees, owner operators, and the classification question that decides which product applies.
Read this part
What moves your rate
Transportation is priced on data you already generate. The question is whether your submission presents it or hides it.
- CSA BASIC scores, particularly unsafe driving and hours of service compliance.
- Driver turnover rate, which underwriters treat as the leading indicator of future loss frequency.
- Radius, commodity, and whether operations include hazmat, oversize, or passenger transport.
- Camera and telematics adoption, now the difference between a quote and a decline at many markets.
- Loss runs at five years rather than three, because auto severity develops slowly and carriers will ask.
How we market a fleet
Work the inputs before working the market.
Step 01
Build the safety narrative
Hiring standards, training, camera policy, and post accident review documented as a package rather than an afterthought.
Step 02
Clean up the data
Vehicle schedule, driver list, and radius verified against the ELD and the DOT record so nothing contradicts.
Step 03
Approach the right layer
Primary and excess marketed separately when that produces a better structure than a single carrier program.
Step 04
Manage claims actively
Early intervention on auto claims protects the loss run that prices your next three renewals.
Operations we place
Local and intermediate haulLast mile deliveryRefrigeratedDry vanFlatbedDump and aggregateTow and recoveryCourier fleetsParatransitMedical transportAirport ground transportOwner operator groups
Not on the list is not the same as not placeable. Ask.
Questions we get
Straight answers.
How early should we start a trucking renewal?
One hundred twenty days. Transportation submissions take longer to market, underwriters ask for more, and filings have to be sequenced so nothing lapses at midnight on the effective date.
Will cameras really change our pricing?
Materially. Forward and driver facing cameras change both the credit you receive and the outcome of disputed claims. The savings on a single defended accident usually exceeds the installation cost across the fleet.
Can you write a new venture authority?
Yes, with a plan. New authority is a hard placement, and the path involves experienced drivers, a written safety program, and realistic expectations about first year pricing before it improves.
Next step
Send us the submission
Loss runs, current declarations, and five minutes of context. You will hear back the same business day with what we can do and which markets we are approaching.