01
Direct producer access
One accountable contact.
Licensed independent insurance agency
Commercial truck insurance. Placed carefully.
Coverage placement for owner-operators and small fleets in NC, SC, TX, FL, and LA.
Liability
Cargo
Physical damage
Price matters. Coverage matters more.
Direct communication. Selected markets. Terms reviewed before bind.
02
Carrier fit
Markets matched to risk.
03
Clear policy review
Terms reviewed before binding.
Operations
Built around how the trucks run.
Owner-operators and small fleets. Coverage, filings, certificates, renewals.
New truck, renewal, or first authority
Owner-operators
Liability, physical damage, NTL, and cargo.
2-25 power units
Small fleets
Multi-unit quotes, drivers, renewals, filings.
Local and regional operations
Dump and heavy haul
Aggregate, contractors, lowboys, equipment.
Regional and long-haul lanes
Reefer, box, and general freight
Cargo, trailer, and liability requirements.
Liability. Cargo. Physical damage. Filings.
Place the policy around the authority, equipment, and certificate requirements.
01
Primary Liability
Required authority coverage, matched to radius and loss history.
02
Physical Damage
Collision and comprehensive for tractors, trailers, and stated values.
03
Cargo & Trailer Interchange
Cargo, reefer breakdown, and trailer terms for shipper requirements.
04
General Liability
Yard incidents, customer property, and shipper certificates.
05
Dump & Heavy Haul
Aggregate, contractors, lowboys, gross weight, and site time.
06
Roadside Assistance
Towing, jump starts, and emergency dispatch.
07
Three-Day Policy
Short-term coverage to move a newly purchased truck.
Built around underwriting requirements.
- 01
Send operating details
DOT, garaging state, units, drivers, radius, and current dec page if available.
- 02
Select carrier markets
We submit to markets that fit the operation.
- 03
Review terms
Premium, limits, deductibles, filings, exclusions, certificates.
- 04
Bind and service
Certificates, endorsements, renewals, one contact.
Faster quotes start with better inputs.
Start with what you have. These items reduce back-and-forth.
- MC or DOT number, if you have one
- Vehicle year, make, VIN, and stated value
- Driver names, license states, and experience
- Radius, freight type, filings, and cargo needs
- Current declarations page or renewal offer
01
Compliance fit
Authority, filings, limits, radius.
02
Equipment exposure
Values, deductibles, trailers, use.
03
Carrier match
State, freight, drivers, losses.
Deadline coming up? Submit what you have and note the date.
Where we bind
Five-state coverage.
Common questions.
For specifics, call.
How long does it take to get a quote?
Most complete submissions come back the same business day. New ventures can take one extra day.
Do you write coverage outside of NC, SC, TX, FL, and LA?
We are licensed in those five states. If your authority is elsewhere, call and we will route you.
I am a brand new authority. Will a carrier write me?
Yes. First-year markets exist. Pricing is tighter until you build history.
Can you handle cargo and trailer interchange?
Yes. Cargo, trailer interchange, NTL, and reefer breakdown are available.
How do I send a certificate of insurance to a shipper?
Email the certificate-holder details. We issue COIs for active policyholders.
What carriers do you work with?
A-rated national markets and regional specialty carriers, selected by fit.
Request a quote.
Send the basics. A producer follows up.