Commercial auto and trucking insurance for fleets.

Premium depends on radius of operation, commodity hauled, fleet size, MVRs, CSA scores, DOT history, garaging state, equipment age, and prior loss history. Long-haul reefer underwrites very differently than local dump-truck operations. Final cost is subject to underwriting and the carriers writing your operating profile.

If you have FMCSA operating authority and haul property in interstate commerce for hire, yes — the MCS-90 is required by federal law as proof of financial responsibility. It is not a coverage grant but a public-protection guarantee that the insurer will pay a judgment up to the federal minimum even if a normal policy exclusion would otherwise apply, with the insurer retaining a right of recovery against the insured. Hazmat haulers face higher minimums than general freight.

FMCSA Compliance, Safety, Accountability scores — particularly the Unsafe Driving, HOS Compliance, and Crash Indicator BASICs — are pulled by trucking underwriters before quoting. Elevated scores narrow the carrier panel, push your account toward higher-priced markets, and in severe cases force E&S placement. We pull and review CSA scores and MVRs before submission so the right markets quote first.

A typical commercial auto/trucking program includes Auto Liability sized to operating authority, Physical Damage on power units and trailers, Motor Truck Cargo for the freight you haul, Hired and Non-Owned Auto for owner-operators, GL for terminal premises, and Workers Compensation. Coverage is subject to underwriting.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. MCS-90 and DOT compliance filings are produced through the portal and typically processed within minutes after a licensed broker confirms the filing. There is no per-COI fee.

Routine work — intake, COIs, endorsements, policy Q&A, renewal triage — runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical fleet broker. That is an average, not a guarantee.