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.
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.