A Dedicated Trucking Division
Trucking is one of the toughest insurance markets in the country. Our trucking division knows the filings, the carriers, and the contract requirements — and we shop multiple specialty markets to find the right fit for your operation, whether you run one truck or one hundred.
Core Trucking Coverages
Primary Auto Liability
Federal and state filings (MCS-90, BMC-91X, state DOT) with limits from $750K to $5M to satisfy shippers, brokers, and FMCSA requirements.
Motor Truck Cargo
Covers freight in your care — dry van, reefer (with breakdown), flatbed, and high-value loads — with limits matched to your broker contracts.
Physical Damage
Comprehensive and collision on tractors and trailers, stated-value or ACV, plus downtime and rental reimbursement options.
Non-Trucking & Bobtail
Protection for owner-operators leased to a motor carrier when driving off-dispatch or without a trailer.
Trucking General Liability
Covers premises, loading-dock, and non-auto exposures that your auto policy excludes — often required in shipper contracts.
Trailer Interchange
Physical damage coverage for non-owned trailers pulled under a written interchange agreement.
The Risks That Drive Trucking Premiums
These four issues shape what you pay and how well you're protected. We help you manage each one.
Nuclear Verdicts
Jury awards over $10M against trucking companies have exploded. Proper umbrella and excess layers protect the business you've built.
CSA Scores & Compliance
Your FMCSA safety scores drive premium. We help you read BASIC scores and build a plan to improve them before renewal.
Cargo Theft & Spoilage
Theft rings and reefer breakdowns cause major cargo claims. We check exclusions for unattended vehicles and temperature control.
Driver Hiring & Retention
Driver age, experience, and MVRs affect rates. We help set hiring guidelines that underwriters reward.
Operations We Insure
From single owner-operators to regional and national fleets — across all 26 states we're licensed in.
What's Included in the FIG Trucking Program
Every trucking account gets hands-on support beyond the policy itself — to keep you compliant and lower your cost over time.
Licensed in 26 States
We insure trucking operations based in any of the states we're licensed in — one team handling your filings, certificates, and renewals.