Keep the wheelsturning.
Truck insurance for owner-operators and small fleets, written by agents who know authority filings, cargo limits and what a broker needs on a COI.
- New authorities welcome
- Filings sent same day
- 15+ trucking carriers
Get a truck quote
Three quick steps. An agent calls with options.
Step 1 of 3: Your operation
The policies a load actually needs.
Brokers and shippers check these first. Tap through to see what each one does and the limits we usually see on contracts.
Primary auto liability
Pays for injuries and property damage you cause to others while operating your truck. It's federally required for interstate for-hire carriers and the first thing a broker verifies.
- Federal minimum
- $750,000 for general freight (higher for some hazmat)
- Most brokers want
- $1,000,000 combined single limit
- Filings
- BMC-91X with FMCSA, MCS-90 endorsement
- Who needs it
- Anyone running under their own authority
Motor truck cargo
Covers the freight you're hauling if it's damaged or lost in a covered accident, fire or theft. Shippers often won't release a load without it.
- Common limits
- $100,000 standard, $250,000 for higher-value freight
- Reefer breakdown
- Optional endorsement for refrigerated loads
- Watch for
- Excluded commodities and unattended-vehicle clauses
- Who needs it
- For-hire carriers hauling someone else's goods
Physical damage
Repairs or replaces your own tractor and trailer after a collision, rollover, fire, theft or weather. If the truck is financed, your lender will require it.
- Valued at
- Stated amount you set for each unit
- Deductibles
- Usually $1,000 to $5,000
- Add-ons
- Downtime and rental reimbursement, towing
- Who needs it
- Owners of financed or high-value equipment
Bobtail & non-trucking liability
For leased-on drivers. The motor carrier's policy covers you under dispatch; this covers you when you're driving without a load and off the clock.
- Typical limit
- $1,000,000
- Usually required by
- The carrier you're leased to
- Not covered
- Any trip under dispatch or for the carrier's business
- Who needs it
- Owner-operators leased onto another authority
General liability
For accidents at docks, yards and customer sites.
Occupational accident
Medical and disability for drivers who aren't on workers' comp.
Trailer interchange
Damage to non-owned trailers you pull under agreement.
Workers' comp
For fleets with W-2 drivers and yard staff.
From one truck to twenty-five.
We work with operations of every size, but our sweet spot is the independent who's tired of being treated like a policy number.
Owner-operators
Running your own authority or about to. We'll get your filings posted and keep your COIs moving.
- New MC programs
- Leased-on bobtail
- Monthly payment plans
Small fleets
Two to twenty-five power units. Driver lists, MVR reviews and unit changes handled by one agent.
- Fleet scheduling
- Driver add/remove in 24 hrs
- Safety program discounts
Specialty haulers
Dump, flatbed, reefer, car haulers and hotshot setups that standard markets turn down.
- Reefer breakdown
- Hotshot programs
- Higher cargo limits
Quote to filing in four stops.
Tell us your setup
Two minutes online or a quick call. DOT, trucks, cargo and drivers.
We shop it
Your agent sends one submission to the trucking markets that fit.
Compare side by side
Premiums, deductibles and exclusions laid out plainly.
Bind and file
E-sign, pay, and we send FMCSA filings and certificates.
Agents who answer at 5 a.m.
Loads don't wait for business hours. Our certificate desk opens early and stays reachable by text.
- Certificates by textSend the broker's email and we'll have the COI there, usually within the hour.
- Claims backupWe walk you through the first notice and stay on the file with the adjuster.
- Renewal re-shopEvery year, 60 days out, we re-market your account automatically.
Straight answers, fast paperwork.
"First year on my own authority and three agencies wouldn't call me back. Haulguard had me filed in two days and walked me through the MCS-90 like I'd never heard of it. Because I hadn't."1 truck · Dry van · Texas
"I text a broker's email to Kayla at 5:30 in the morning and the certificate's there before I'm through the scale house. That's all I want from an agent."6 trucks · Reefer · Georgia
"They moved our cargo and physical damage to a different carrier at renewal and caught an exclusion on machinery that would have bitten us. Kept the same limits."14 trucks · Flatbed · Ohio
It varies widely with your radius, cargo, driving record, years in business, equipment value and state. A new owner-operator often pays more in year one than an established fleet per truck. The only way to know is to quote it, which takes about ten minutes.
Yes. Several of our markets write new ventures. Having at least two years of CDL experience helps, and we'll tell you up front what the carriers will ask for.
We submit BMC-91X filings the same business day a policy is bound. FMCSA typically posts them within a few business days.
No. If your authority is pending, leave the DOT field blank and we'll quote based on your plans and experience.
Most programs offer a down payment plus monthly installments or premium financing. Your quote will show the options available.
Your next load shouldn't wait on paperwork.
Get quotes from multiple trucking carriers in one call.