Commercial Sector Insurance Brokers offers targeted solutions for trucking insurance accounts that don't fit the standard market. As a general agency and excess & surplus lines broker, we specialize in hard-to-place risks and provide access to multiple carriers (5+), giving agents flexible options for their transportation clients.
Overview of the Program From Commercial Sector Insurance Brokers
Our Trucking Insurance program is designed for agents seeking alternatives for their clients in the commercial trucking space. Whether you're working with long-haul operators, regional carriers, or specialized freight haulers, we can help provide coverage options for tough or non-standard accounts. We focus on non-admitted markets with select admitted options available, depending on the risk and state.
Ideal Accounts and Appetite
We write a wide variety of trucking-related risks, including:
- For-hire trucking operations (local, intermediate, or long-haul)
- Owner-operators and small fleets
- Freight haulers transporting general commodities
- Specialized trucking risks with unique exposures
We do not write Commercial Auto Liability coverage but can often assist with other critical lines for trucking accounts.
Example: You might have a client who owns a small fleet transporting perishable goods across state lines but has a loss history making standard markets unavailable. We can help you place coverage for their Physical Damage, Cargo, and Excess Auto needs.
Coverage Highlights and Advantages
Coverage lines available through our program include:
- Physical Damage
- Motor Truck Cargo
- General Liability
- Excess Auto
- Pollution Liability specific to trucking operations
Our access to multiple markets allows us to tailor solutions to fit a wide range of risk profiles. We’re positioned to help agents find competitive alternatives when standard carriers decline or non-renew trucking accounts.
Underwriting Notes and Minimum Premiums
Minimum premiums for this program start at $5,000. We evaluate each submission based on the risk characteristics, loss history, type of cargo, radius of operations, and other underwriting criteria. We welcome challenging submissions and will work closely with agents to find the best available options.
Territories and Availability
This program is available in most states across the U.S., including but not limited to: CA, TX, FL, NY, IL, GA, PA, and WA. In total, we write in over 45 states—see our full list for details. Admitted markets may be available in some states, but most placements will be through non-admitted carriers.
Why Work With Commercial Sector Insurance Brokers?
We bring deep expertise in placing trucking-related risks and focus on helping independent agents succeed in the E&S space. Our team is responsive, knowledgeable, and committed to finding practical solutions for non-standard accounts. With access to 5+ carriers and flexible underwriting, we can help you provide your clients with competitive, well-structured coverage—even when traditional markets fall short.
Please call today for more information on how we can support your trucking insurance placements.
Frequently Asked Questions
What types of accounts are a good fit for this Trucking Insurance program?
This program works well for for-hire trucking operations, owner-operators, small to mid-sized fleets, and specialized freight haulers—especially those that may not qualify for standard markets.
What coverages are available through this program?
We offer Physical Damage, Motor Truck Cargo, General Liability, Excess Auto, and Pollution Liability. We do not provide Commercial Auto Liability coverage.
Are admitted markets available?
Some admitted markets may be available depending on the risk and state, but most placements are handled through non-admitted carriers.
What is the minimum premium required?
The minimum premium for this program is $5,000, with final pricing based on the specific risk characteristics.
In which states is this program available?
We write in over 45 states including CA, TX, FL, NY, IL, GA, and many others. Please contact us to confirm availability in your state.
Need help placing an account? Connect with a market specialist.