Every state you cross is another chance to be inspected.
Commercial insurance for long haul and over-the-road carriers — federal filings, inspection exposure across jurisdictions, and the severity that prices the class.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
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What long haul trucking businesses actually need.
Commercial auto
Vehicles the business owns and the people who drive them for work.
Without it — Highway speeds and long hours produce the largest verdicts in transport, and the federal filing is what keeps the authority live.
Motor truck cargo
The freight itself while you are hauling it. Separate from the liability on the truck.
Without it — Loads are larger, longer in transit and further from anyone who can respond to a problem.
Umbrella & excess liability
Extra limit stacked above general liability, auto and employers liability. Usually the cheapest million dollars on the policy.
Without it — Trucking verdicts are among the largest there are, and a primary limit rarely survives a serious highway accident.
Auto physical damage
Damage to your own tractor and trailer. Primary liability pays for what you do to everyone else and nothing for your equipment, so without this a rollover you caused leaves you paying off a truck you can no longer run.
Without it — Equipment running continuously across the country wears and is damaged far from your own shop.
Non-trucking liability
Covers the tractor when it is being driven outside dispatch — home from the yard, or to the shop. The motor carrier’s primary liability generally responds only while you are under dispatch, and that gap is exactly when an owner-operator is driving on their own time.
Without it — Owner-operators driving off dispatch are uninsured by the primary policy at exactly that moment.
Trailer interchange
Damage to a trailer you are pulling but do not own, while it is in your possession under a written interchange agreement. Your own physical damage cover follows equipment you own, so an interchanged trailer is unprotected without it.
Without it — Interchanged trailers behind your tractor are not your equipment and not on your physical damage.
Occupational accident
Medical and disability cover for owner-operators and contract drivers who sit outside workers compensation. It is not workers comp and does not satisfy a state that requires workers comp — it is what fills the gap where none is required.
Without it — Owner-operators sit outside workers compensation and an injury on the road ends the income immediately.
Key person & buy-sell funding
If an owner or an irreplaceable employee dies, this is the money that keeps the business running and funds the buy-sell agreement so the surviving owners can buy out the estate instead of ending up in business with it.
Without it — On a small authority the owner is the company — the driver, the dispatcher and the person the bank lent against.
Lori Adams, TRS
Commercial Trucking Insurance Advisor
Twenty-five years in trucking insurance. Knows the filings, the radius rules and the carriers that will actually take the risk.
Transportation Risk Specialist (TRS)
“He has all of our trucks for Wheelzdown…a Hotshot trucking Co. out of Wisconsin… proving that even across the country, they can offer exceptional customer service, and he does! The best rates around and great customer service, what more can someone ask for?”
What long haul trucking operators ask us.
Why does long haul get inspected so much more?
Because you present yourself to more enforcement. Every state you cross has its own scales, its own patrol and its own inspection stations, and hours-of-service compliance is examined continuously through electronic logging rather than sampled. More inspections means more entries on your record — and that record is read by underwriters as well as by regulators, which is where it starts to affect the policy rather than just the fine.
What filings do I need?
Interstate operators generally need the MCS-90 endorsement and a BMC-91X filing with FMCSA, at $750,000 for general freight and higher for oil, hazardous materials and the highest-hazard commodities. The filing has to be in force continuously — a lapse quietly revokes your authority, and finding out at a scale is the expensive way to learn it.
Can you fix a filing another broker got wrong?
Yes, and we have done it more than once — reinstating filings that were allowed to lapse or were never made correctly, getting authorities active again, and getting trucks that had been parked back on the road. A revoked authority is not usually a permanent state; it is a paperwork problem that somebody has to actually work through with FMCSA rather than explain to you over the phone.
How do hours of service affect my insurance?
Directly, through your record. Logging violations show up in inspection data and feed the safety scores an underwriter looks at, and a pattern of them reads as a management problem rather than a driver one. Carriers price on it, and the ones with the best appetite for long haul are the ones that look hardest at it.