Transportation Insurance

Whether you’re an owner-operator with one rig or manage a fleet of delivery vans, your business lives on the road — and so does your risk. We build transportation insurance programs for North Carolina truckers, haulers, and delivery businesses that keep you rolling and compliant.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

Coverage for Truckers and Fleets

• Commercial auto liability — the foundation, covering injuries and damage your vehicles cause.
• Physical damage — repairs or replaces your tractor, trailer, or van after accidents, theft, or weather.
• Motor truck cargo — protects the freight you haul against damage, theft, or loss in transit.
• Non-trucking liability — covers owner-operators using the truck off-dispatch.
• General liability and workers’ comp — for the business behind the wheels.

Owner-Operators: Insure the Whole Operation

Leased to a motor carrier? You’ll typically need physical damage and non-trucking liability of your own, even when the carrier’s primary liability covers dispatched loads. Running under your own authority? We’ll structure primary liability and cargo to match your filings and your shippers’ contract requirements.

Staying Compliant

Interstate operations come with federal filing requirements, and brokers and shippers each have their own certificate demands. We handle the paperwork side — filings, certificates, and renewals — so a missing document never parks your truck.

Frequently Asked Questions

Is cargo insurance required?

Shippers and brokers almost always require it in the contract, with specific minimum limits. We’ll match your cargo policy to what your loads demand.

Can you insure my box truck or delivery vans?

Yes — from a single box truck to a mixed fleet, including last-mile delivery and courier operations.

How can I lower my trucking premium?

Clean driving records, good safety scores, newer equipment, and higher deductibles all help — and so does an agent who re-shops your program at every renewal. That’s us.

Keep Your Wheels Turning

Fast quotes, correct filings, and a local agent who picks up the phone. Insure with You!