Trucking Insurance Program from U.S. Risk Insurance Group, Inc.
U.S. Risk Insurance Group, Inc. offers a dedicated trucking market for large commercial transportation accounts, aimed at agents and brokers who need high-limit liability and comprehensive auto coverage for complex fleets. Backed by an A+ XV-rated admitted carrier, this program delivers flexible high-limit auto liability options and a full suite of coverages developed for the trucking industry.
Ideal Accounts and Appetite
This program targets large trucking risks, typically with a minimum premium threshold (commonly around $200,000). We prefer professionally run operations with strong safety programs and stable loss histories. Example fits include:
- Regional or long-haul freight carriers with large fleets
- Logistics companies operating across multiple states
- For-hire fleets transporting general commodities
Incidental general liability can also be placed alongside the trucking exposures, making this a practical solution for clients who need a consolidated placement for multiple lines.
Coverage Highlights and Advantages
- Auto liability limits available up to $5 million
- Physical damage coverage offered
- Low deductibles to support effective risk management
- Optional incidental general liability when appropriate
- Competitive pricing supported by experienced underwriting
- Top-tier claims handling and dedicated loss control services
Because the program is placed with a financially strong admitted market, your clients benefit from the stability, regulatory protections, and responsive servicing that come with admitted capacity.
Submission Requirements
A complete submission is required for quoting. To avoid delays, include:
- Fully completed ACORD applications (125, 127, 137; include 126 if GL is requested)
- A detailed trucking application
- A complete vehicle schedule with descriptions, garaging locations, vehicle use/radius, and original costs
- Five years of currently valued loss runs
- Current financial statement
- Updated driver roster and MVRs
Clear, well-organized submissions with loss runs and driver controls significantly improve turnaround and quoting accuracy.
Territories and Availability
Coverage is available nationwide — all 50 states plus Washington D.C. — making this program a fit for clients with single-state or multi-state operations.
Why Work with U.S. Risk Insurance Group?
As an established excess & surplus lines broker with deep transportation expertise, U.S. Risk provides market access and program design tailored to large, complex trucking risks. Our team understands the operational and underwriting nuances of trucking accounts and supports brokers through placement, loss control, and claims advocacy to help you retain and grow your transportation book.
Example scenarios: You might have a regional freight fleet expanding into interstate runs that needs higher liability limits and streamlined physical damage coverage, or a logistics provider with mixed exposures seeking incidental GL with their trucking program — both are typical fits for this market.