Coverage
Every line we write, and how they fit together.
Trucking insurance is a set of policies that have to agree with each other and with your contracts. Start with the operation, not the product list.
Typical stacks
What a policy usually looks like
New authority, 1–3 trucks
- Auto liability $1M with BMC-91 / MCS-90
- Motor truck cargo $100K
- Physical damage (lender)
- Trailer interchange if you pull others' trailers
Expect a higher first-year rate; a clean year is the lever.
Leased owner-operator
- Non-trucking liability
- Bobtail
- Physical damage on your unit
- Occupational accident
Your lease tells you exactly what the carrier requires.
Fleet, 5–50 units
- Auto liability + excess $2M–$5M
- Cargo scheduled by commodity
- General liability $1M/$2M
- Workers' comp or occ-acc
- Safety program credits
At 25+ units with clean losses, captives and large-deductible plans start to pay.
What we write
Coverage, line by line
Commercial Truck Insurance
The full policy for motor carriers and new authorities.
Auto Liability
The FMCSA-required core of every trucking policy.
Physical Damage
Collision and comprehensive on your tractor and trailer.
Motor Truck Cargo
The freight you haul, at the limit brokers ask for.
Owner-Operator Insurance
Leased on or under your own authority.
Trucking Specialty Coverage
Reefer, hazmat, auto hauler, tow, and more.
Excess Limits
Umbrella and excess liability above the primary.
Workers' Compensation
Drivers and staff, including occupational accident.
General Liability
Premises and operations beyond the truck.
Alternate Risk Programs
Captives, RRGs and deductible programs for fleets.
Claim Services
What to do in the first hour, and what we do after.
Safety & Risk Control
Lower losses, better CSA scores, lower renewals.
Personal lines for trucking clients
Home and personal auto, too.
Clients who trust us with the business often ask us to look at the house and the family cars. Compare carriers online in a few minutes.
FAQ
Questions we hear every week
Can I buy just one coverage from you?
Yes. Many clients start with cargo or physical damage while their liability sits elsewhere, then consolidate at renewal. We quote whatever you need.
Do you handle the FMCSA filings?
Yes. BMC-91/91X, MCS-90 and state filings post electronically from the carrier after binding; we confirm they show on SAFER before you roll.
How are certificates handled?
From your client portal, or by emailing coi@iagency.biz with the holder's details. Most certificates go out the same business day.
Real numbers in hand, usually the same business day.
Send us the basics. A licensed agent shops the carriers that want your class and calls you with actual numbers, ready to bind. Most quotes come back within 24 hours; many are completed and back in your hands within one to two hours on the same business day.