Insurance Built for Transportation Operators
From NEMT and trucking to rideshare and last-mile delivery, we shop specialized transportation carriers to find coverage that keeps you compliant, protected, and on the road.
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Transportation Runs on Tight Margins and Tighter Rules
Whether you're hauling freight, driving passengers, or running last-mile routes, one bad policy fit can shut you down. Here's what we help you navigate.
FMCSA & DOT Compliance
Filings, minimum limits, and paperwork that varies by operation type and state.
Passenger & Cargo Liability
Carrying people or freight raises the stakes on every claim compared to standard commercial auto.
Mixed Fleets, Mixed Risk
Vans, wheelchair-lift vehicles, box trucks, and sedans often sit on one policy — each with different exposure.
Coverage Gaps Between Jobs
Rideshare, courier, and bobtail periods create gaps standard personal or commercial auto won't cover.
High Driver Turnover
Onboarding new or owner-operator drivers quickly without leaving coverage exposed.
Thin Margins
Per-mile and per-run economics mean overpaying for the wrong coverage hurts fast.
Coverage Built for the Road
Every transportation segment carries different exposure. Here's what we shop across your fleet.
Commercial Auto / Livery
Coverage for vans, trucks, and passenger vehicles used in your operation.
General Liability
Protection against third-party bodily injury and property damage claims.
Cargo Coverage
Protects freight and goods in transit for hauling and delivery operations.
Occupational Accident
Coverage for driver injuries, including options for owner-operators.
Excess / Umbrella
Extra liability limits for contracts and brokers that require higher coverage.
Physical Damage
Collision and comprehensive coverage to repair or replace your vehicles.
Non-Owned & Hired Auto
Covers vehicles you don't own but use for business — common in rideshare and courier work.
Bobtail / Non-Trucking Liability
Covers owner-operators driving without a trailer or outside dispatch.
Segments We Write
From patient transport to last-mile parcels, we specialize in coverage across the transportation industry.
We Shop 30+ Carriers to Find Your Rate
Transportation risk varies too much for a one-size-fits-all policy. We compare specialized transportation markets so you're not stuck with the first quote.
| Question | Answer |
|---|---|
| What types of transportation businesses do you insure? | We write insurance for NEMT operators, trucking companies, tow truck operators, rideshare and TNC drivers, food and last-mile delivery services, couriers, and owner-operators needing bobtail coverage. |
| Do I need commercial auto insurance if I drive for Uber or a delivery app? | In most cases, yes. Personal auto policies typically exclude coverage once you’re logged into a rideshare or delivery app, leaving gaps during pickup, drop-off, and active trips. We help close those gaps with rideshare and TNC-specific coverage. |
| What’s the difference between cargo coverage and general liability? | General liability protects against third-party bodily injury or property damage claims. Cargo coverage specifically protects the freight or goods you’re hauling while in transit — you typically need both if you’re moving freight for others. |
| What is bobtail insurance and do I need it? | Bobtail insurance covers owner-operators driving a truck without a trailer or outside dispatch — situations your motor carrier’s policy usually won’t cover. If you ever drive between loads or outside your carrier’s active dispatch, you likely need it. |
| Can I get a same-day certificate of insurance? | Yes. If a broker, contract, or dispatcher needs proof of coverage, we turn certificates of insurance around the same day in most cases. |
| How many carriers do you compare for transportation coverage? | We shop 30+ carriers, including transportation-specialized markets, to find coverage that fits your specific operation rather than a generic policy. |
Let's Get Your Fleet Covered
Whether it's one vehicle or a full fleet, we'll shop the market and find coverage that fits how you actually operate.