Koosh Insurance · Aviation & Transportation

    Commercial Trucking / Fleet

    The DOT inspection that finds an overweight axle. The rear-end collision on I-95 with a passenger sedan. The cargo claim that follows the load all the way to the consignee. Commercial trucking is a federally regulated, claim-frequent, capital-intensive business where the wrong policy doesn't just leave you exposed — it leaves you parked. We place trucking and fleet programs with carriers that actually want the business.

    See what's covered

    Coverage

    What this coverage includes

    • Auto liability at federal minimum filings ($750,000 to $5M+ depending on cargo type)
    • Physical damage — collision and comprehensive — for tractors, trailers, and equipment
    • Motor truck cargo for the freight you haul, with appropriate sub-limits per peril
    • General liability for non-trucking operations — yard, terminal, dispatch
    • Trailer interchange for trailers used under interchange agreements
    • Workers' compensation for drivers, dispatchers, mechanics, and yard personnel
    • Federal filings — MCS-90 for public liability, BMC-91 for the surety/insurance filing, and cargo-related filings as required by FMCSA, depending on operation
    • Excess and umbrella coverage above primary liability for higher-risk routes or contracts

    Who Buys This

    Who typically buys this coverage

    • Owner-operators with one or two trucks running for hire
    • Small fleets under 10 power units
    • Mid-size fleets of 10-100 power units
    • Large carriers with regional or national operations
    • Private fleets — businesses operating their own delivery operations
    • Specialty haulers — refrigerated, hazmat, oversized, auto transport, household goods
    • Last-mile and final-mile delivery operations

    Why Koosh

    Why Koosh Insurance

    Trucking is one of the hardest commercial classes in the market right now. Fresh authority, long-haul, prior losses, and certain commodity classes can each tighten appetite by themselves. We work the trucking-specialty markets directly and don't rely on generalist carriers who treat trucking as an afterthought. Your authority is on the line every time the wheels turn. The right policy is the one that keeps them turning.

    Specialty trucking market access — programs that actually want the business, not generalists who'll quote then non-renew.

    Federal filings handled — MCS-90, BMC-91, and state-specific filings as part of placement.

    CSA score review — we look at your CSA before we shop and tell you what carriers will see.

    Loss run positioning — prior claims framed accurately to keep you in standard markets when possible.

    Cargo coverage matched to commodity — refrigerated, hazmat, auto transport, and household goods all need different forms.

    Owner-operator and fleet structures — different programs for one-truck operators vs. 50-truck fleets.

    FAQ

    Frequently asked questions

    General freight: $750,000 minimum federal financial responsibility. Hazardous materials: $1M to $5M depending on the class of hazmat. Passenger transport: tiered by vehicle capacity. Most contracts and shippers require limits well above the federal minimum — $1M is the practical floor for most general freight, and $2M or higher for any meaningful contract relationships.

    A federal endorsement that guarantees a minimum level of public protection if a covered loss exhausts other coverage. FMCSA regulations require it for all interstate for-hire carriers — we handle the filing as part of binding the policy.

    Possibly. If they were doing anything employer-related, there's a path to employer liability. Hired and non-owned auto on the commercial policy fills part of this gap, but employee personal-auto exposure is one of the harder placements in trucking and we handle it carefully.

    Trucking insurance has hardened sharply over the past several years — carrier appetite has narrowed, nuclear verdicts in the millions have driven up reserves, and certain classes (long-haul, fresh authority, prior loss runs) have become very hard to place. We shop aggressively at every renewal and often find better placement when the incumbent gets uncompetitive.

    Scheduled lists every unit individually with stated value; blanket covers any unit you operate up to a limit. For small fleets, scheduled is often cheaper and cleaner. For larger fleets with rotating equipment, blanket simplifies the operation. We size to match how you actually run.

    Yes, but appetite narrows. CSA scores, FMCSA inspection history, and loss runs all factor into placement. We position the prior loss carefully — root cause, mitigation, current safety program — to keep you in viable markets.

    Related

    Related services

    Jet & Aircraft

    Insurance for private jets and commercial aircraft.

    Aircraft Hangars

    Hangar property damage, liability, and operational hazards.

    Pilots & Staff

    Coverage for pilots and aviation personnel.

    This page provides general information about Commercial Trucking / Fleet insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Commercial Trucking / Fleet

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314