Your first three years
New authority, one to five trucks
Most companies will not quote you yet. We know the ones that will.
Owner-operators and small fleets
Trucking insurance that holds up when you file the claim.
The cheapest policy is the one that fails when you need it. We tell you what your coverage actually does before you buy it, get you the certificates a broker asks for, and deal with the insurance company ourselves when something goes wrong.
Where You Are
How long have you been running?
It changes who will insure you and what they charge. Find yourself below.
Three years and up
Established, running a handful of trucks
A claim your policy does not cover comes straight out of your business.
Eleven trucks and up
Fleets
Every new driver and truck is paperwork. We handle the changes so your office does not.
Lowering Your Premium
Trying to get your premium down?
Some ways work. Some of them cost you the whole claim later. Here is both.
Leaving a driver off your policy lowers your premium a little. If that driver crashes, you pay for the crash yourself.
What you save
What you pay
What people try
Leaving a driver off the policy
The driver who is not on it is the one the claim turns on.
Saying the load is lighter than it is
What was actually in the trailer is what gets looked at afterwards.
Saying you drive less far than you do
A policy priced for local work does not follow you across the country.
Registering the truck at a cheaper address
Where the truck really sits is a fact, and it is a checkable one.
What actually works
Three years without a gap in coverage
The line most companies draw before they will talk to you at all.
No claims on your record
Slow to build, and the biggest lever you own.
Drivers who have been doing this a while
Who is behind the wheel moves your price more than what you drive.
A higher deductible
The lever we can pull today. We will show you what it costs you.
What Enough Means
Is your policy actually enough?
Four things to check. We go through all four with you before you buy anything.
It pays the claim
A policy is a promise. We read yours out loud before you sign it, so you know what it says.
It covers the load
The freight in your trailer has a value. Your cargo coverage should match it.
It protects what you own
Your truck, your house, your business. Liability decides how much of that a bad day can reach.
The company behind it can pay
Cheap paper from a weak company is not insurance. We tell you who is actually on the policy.
Call (773) 657-3860After You Buy
What happens after you buy?
You buy insurance once a year. You need a certificate, a change, or a claim all year long.
Certificates
A broker will not release the load without one. Tell us who needs it and where it goes.
Truck and driver changes
Add a truck, drop a driver, change a VIN. You call, we handle it.
Claims
Call us first. We deal with the insurance company so you can keep working.
How We Work
How do you decide what I need?
Five steps, in this order. The price comes fourth on purpose.
1
We find out who you are
How long you have been running, what you haul, how far, and who is driving. Nothing gets quoted before this.
2
We work out what you should carry
What the loads you take actually require, and what would survive a bad day. This is the number before the price.
3
We work the price down against that
Deductibles, terms, and which companies want your kind of operation. What we will not do is quietly cut the coverage to make the number look better.
4
We place the coverage
You see what each option costs and what each one leaves out before anything is signed.
5
We stay on it
Certificates, truck and driver changes, and the claim if one comes. That part does not end at the sale.
Questions
What truckers ask us most.
Yes, and it is a lot of what we do. Fewer companies will look at you in your first years and the ones that do cost more, so the job is knowing which markets are open to you instead of collecting declines. We also have markets for drivers with under two years of commercial experience.
Three years of continuous coverage is the threshold where whole markets open up. Below it, a lot of companies will not quote you at any price. It is the single thing that changes most about what you can buy, and it is why staying insured without a gap matters more than shopping every renewal.
Ask us. Tell us who needs it and where to send it, and we send it. You do not need to log into anything or fill out a form to get one, and you do not need to wait for a renewal to add a certificate holder.
Almost never the truck. It is usually years in business, loss history, driving records, radius, or what is being hauled — and often the two policies are not the same policy at all. Bring us the other quote and we will read it against yours, line by line.
Tell us what you run.
One call. We will tell you what the market will do for you before you commit to anything.