Wrong market
Every carrier has an appetite. The wrong desk declines on sight.
What fixes itWe route the file to the desks that write your class of risk, not the first one in the rater.
Commercial trucking insurance
Your authority is paper until you're insured.
Licensed agents who work the market by hand — including the files other agencies stopped returning calls on.
- Independent agency
- Licensed agents
- Filings handled
- One agent, start to finish
Free · No obligation
Start your quote
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.
Markets we work with
Why files get declined
It's rarely your driving.
No context
Three claims reads differently when two weren't your fault.
What fixes itLoss runs go out with the story attached — fault, driver, and what changed since.
Missing paper
No MVRs, no equipment list. Underwriters don't chase — they pass.
What fixes itWe assemble the submission before it goes anywhere, so nothing stalls on a missing document.
Where we're useful
Most agencies want the easy file.
Coverage
What we place.
Commercial Auto Liability
The filing the FMCSA requires before your authority goes active.
Motor Truck Cargo
Covers the freight on your trailer when a load goes wrong.
Physical Damage
Your tractor and trailer — collision, fire, theft, weather.
Truckers General Liability
The coverage shippers and brokers ask for before they load you.
Workers Compensation
Required in most states the moment you put a driver on payroll.
Commercial Umbrella
Extra limits above your primary policies for the contracts that demand it.
Business Owners Package
Your yard, your office, your tools — bundled.
Non-Trucking Liability
For the miles you drive off dispatch.
Occupational Accident
Injury coverage for owner-operators who aren't on a comp policy.
Hotshot Trucking
Class 3–5 rigs and gooseneck trailers, written properly.
High-Risk & Declined
Losses, violations, or a cancellation on record? Start here.
New Authority
Under 12 months of authority — the hardest bracket to place.
By the numbers
What a mile actually costs.
Published industry figures, not ours. Insurance is a small line — right up until it isn't.
$2.26
Cost per mile
Average to run a truck in 2024.
$0.102
Insurance per mile
A record high, and still climbing.
+3.0%
Premiums, 2024
On top of the year before.
+12.5%
Premiums, 2023
The spike that reset the market.
Insurance is 4.5% of every mile you run.
Small next to fuel and wages — until it moves. It rose two years running and set a record in 2024, which is why the placement matters more than it used to.
$0.102Insurance premiums$2.158Fuel, wages, equipment, everything else
Insurance $0.102Everything else$2.26 per mile
Source: ATRI, An Analysis of the Operational Costs of Trucking — 2024 Update.
Federal minimums
What you haul sets your floor.
Minimum liability the FMCSA requires before your authority can operate. What a broker or shipper asks for on top of this is a separate conversation.
General freight
$750K
Oil & some hazmat
$1M
Explosives, poison gas
$5M
Source: 49 CFR 387.9 — minimum levels of financial responsibility.
How we're different
Three ways to buy. Not the same job.
| Captive agent | Online rater | Cargova | |
|---|---|---|---|
| Markets shopped | One | A handful | What your risk needs |
| Who reviews your file | An agent | An algorithm | A licensed agent |
| Loss history in context | Sometimes | Never | Every time |
| FMCSA filings | Usually | Rarely | Yes |
| Same contact at renewal | Varies | No | Yes |
How it works
Three steps. No portal games.
Two minutes. DOT, units, radius, history.
Four fields on this page is all it takes to start. The rest comes out in the call, where an agent can ask the follow-up a form can't.
Your file goes to markets that write your risk.
Which desks see your submission, in what order, and how the loss history is framed — that's the work, and it's invisible to you.
An agent explains it before you sign.
What came back, what each option actually covers, where the exclusions sit, and what we'd do differently at renewal.
Free download
The 9 things underwriters price you on.
Four of them you can change before your next renewal. Filter the list and see which.
Send me the checklist- Radius of operation
- Commodity class
- Unit age and value
- How your file is presented
- Years of authority
- Loss runs
- Driver MVRs
- Garaging state
- Prior coverage lapses
Common questions
How long does a quote take?
A complete file moves fast. A file missing MVRs or loss runs waits on those. Your agent gives you a real window.
Do I have to switch everything at once?
No. Policies renew on their own dates. Most operations move one line at a time.
I've been declined. Worth calling?
Usually. Declines cluster by market tier — three noes often means one tier said no, not the whole market.
Can you tell me the price on this site?
No, and be careful with trucking sites that do. Pricing comes from the insurer once your file is in front of it.
Free · No obligation
Ready when you are.
Four fields. A licensed agent reviews it and calls you back — no auto-quote, no bot pricing.