Twelve lines of business under one agency, placed across seven insurance markets and backed by a desk that handles the filings and the paperwork.
What we write
A policy is only as good as the endorsements attached to it. Each coverage below lists the limits brokers ask for and the endorsements that decide whether a claim gets paid.
01
The FMCSA-mandated coverage that keeps your authority active — $750K to $1M limits, filed electronically without delay.
What it covers
Primary liability pays for bodily injury and property damage you cause to others. Federal minimums start at $750,000 and most brokers and shippers require $1,000,000. We file your BMC-91 or BMC-91X electronically to help FMCSA reflect active coverage without interruption.
02
Comprehensive and collision on the tractor and trailer, valued the way your lienholder needs it.
What it covers
Physical damage repairs or replaces your own equipment after a collision, fire, theft, vandalism, or weather loss. We set stated value against your loan balance so a total loss does not leave you upside down, and we add rental reimbursement or downtime coverage when your operation cannot absorb an idle week.
03
Protects the freight in your trailer. Most brokers will not tender a load under $100,000 in cargo limits.
What it covers
Cargo covers freight you are hauling under a bill of lading. Standard limits run $100,000, and reefer, hazmat, auto-hauling, or high-value electronics need endorsements we write into the policy up front instead of after a denied claim. We also review reefer breakdown warranties, which are the single most common cargo coverage gap we find.
04
Covers what happens off the truck — at the dock, in the yard, and on a customer site.
What it covers
General liability answers for injuries and property damage at your premises or during loading and unloading. Shippers, warehouses, and terminals routinely require a $1,000,000 per-occurrence limit before they will let you on the property, and many demand additional-insured status on the certificate.
05
For leased owner-operators: coverage in the gap when you are driving off dispatch.
What it covers
When you are leased to a motor carrier, their policy covers you under dispatch. Bobtail and non-trucking liability answer for the hours you are not — driving home empty, running to the shop, or deadheading on personal time. Carriers commonly require it as a condition of the lease agreement.
06
Medical care and lost wages when a driver or yard employee is hurt on the job.
What it covers
Once you put a driver on payroll, workers compensation is mandatory in most states and required by nearly every shipper contract. It pays medical bills and a portion of lost wages after a work injury and shields the company from a direct injury lawsuit. We also place occupational accident coverage for 1099 owner-operator fleets.
07
Fast COIs so brokers are not left waiting on paperwork.
What it covers
A certificate of insurance proves your coverage to a broker, shipper, or facility. Our certificates desk gives them priority — typically issued the same business day — adds certificate holders and additional insureds, and sends the ACORD form directly to the requester so you can stay on the road.
08
New authority setup, driver qualification files, drug and alcohol consortium, and audit prep.
What it covers
Compliance is what keeps your authority from going inactive. We handle MC and USDOT applications, BOC-3 process agents, drug and alcohol consortium enrollment, driver qualification files, ELD guidance, and new-entrant safety audit preparation.
09
IRP plates, UCR, Form 2290, IFTA decals, and oversize/overweight permits.
What it covers
Our permits department files IRP apportioned plates, annual UCR registration, HVUT Form 2290 with stamped Schedule 1, IFTA license and decals, state trip and fuel permits, and OS/OW routing permits. One desk, one phone number, all fifty states.
10
Quarterly IFTA returns prepared from your trip and fuel records, filed before the deadline.
What it covers
IFTA returns are due quarterly and late filings trigger penalties, interest, and audit flags. We reconcile your mileage by jurisdiction against fuel receipts, prepare the return, and keep the supporting records organized for the four-year retention window.
11
A direct line and a human who follows your claim from first notice to payment.
What it covers
Report the loss to our claims desk and a bilingual agent takes it from there — walking you through the scene documentation adjusters will ask for, filing the notice with the carrier, and staying on the file until it closes.
12
Put a down payment on the policy and spread the rest across monthly installments.
What it covers
Annual trucking premiums are heavy. We place your policy with IPFS, Honor Capital, Strand Finance, or US Premium Finance so you pay a down payment and monthly installments instead of the full term up front. Payment portals are linked in the footer for existing policyholders.
Quote desk
Give us the operation details and your MC or USDOT number. An agent pulls your safety profile, shops the risk across our markets, and comes back with real numbers.
We brought back what you entered last time, on this device only.
Get covered
Send your MC or USDOT number and an agent comes back with limits, endorsements, and a down payment you can actually plan for.
(713) 904-4970 · insurance@truckingservice.net