Crouse and Associates offers a focused Transportation Insurance program for agents and brokers placing regional and national trucking risks. The program is designed for local and long-haul fleet operations, with particular strength in the 11 Western states (including CA, AZ, WA, OR, NV). We place accounts through a mix of admitted and non-admitted markets to give you flexibility when underwriting standard and harder-to-place risks.
Underwriting appetite generally starts at 5+ power units for accounts based in the Western U.S. and 10+ units for operations outside that territory. Coverages and terms are tailored for common freight classes—from produce and refrigerated loads to building materials and bulk liquids—so you can assemble the package your client needs for both operations and regulatory compliance.
Target Risks and Ideal Accounts
We write a broad range of transportation classes, including:
- General commodities haulers
- Bulk liquid transporters
- Flatbed operators
- Pneumatic and tanker units
- Refrigerated (reefer) freight
- Agricultural haulers
- Containerized freight movers
- Building materials and equipment haulers
Accounts hauling incidental hazardous consumer packaged goods are considered; higher-hazard hazmat operations are typically outside our appetite.
Examples of fits: you might have a client running a 7-unit reefer fleet serving California and Nevada, or a 12-unit flatbed operation moving construction materials across the Pacific Northwest—both are the type of risks this program is built to support.
Coverage Highlights
The program provides a comprehensive suite of coverages to build a full transportation package for your clients:
- Truck liability
- Motor truck cargo
- Physical damage
- Hired and non-owned auto
- Occupational accident
- Trailer interchange
- Excess / umbrella liability
- General liability
Underwriting Notes and Premiums
Minimum premiums vary by coverages selected, fleet size, loss history, and operating territory. Many of the available markets are non-admitted, which allows flexible underwriting and creative solutions for accounts that may not fit standard admitted programs. We work with multiple carriers to match risk characteristics to appetite and price.
Territory and Availability
This transportation program is available in: Arizona, California, Colorado, Idaho, Montana, New Mexico, Nevada, Oregon, Texas, Utah, Washington, and Wyoming. For risks outside the Western U.S., we typically require a 10-unit minimum to consider placement.
Why Work With Crouse and Associates?
As a Managing General Agency and Excess & Surplus Lines Broker, Crouse and Associates brings dedicated transportation expertise, access to multiple admitted and non-admitted markets, and underwriting teams experienced with fleet exposures. We aim to provide quick responses, pragmatic terms, and placement options for both standard and harder-to-place trucking accounts.
Please contact us for more information on our Transportation Insurance program!
What types of accounts are a good fit for this program?
We target trucking operations with 5 or more power units in the Western U.S. and 10 or more units outside that region. Ideal risks include haulers of general commodities, bulk liquids, refrigerated freight, agricultural products, and construction materials.
Is this program available in all states?
No. The program is currently available in AZ, CA, CO, ID, MT, NM, NV, OR, TX, UT, WA, and WY.
What coverages are included in the Transportation Insurance program?
Available coverages include Truck Liability, Motor Truck Cargo, Physical Damage, Hired/Non-Owned Auto, Occupational Accident, Trailer Interchange, Excess/Umbrella, and General Liability.
What is the minimum premium for this program?
Minimum premiums vary based on fleet size, coverage selections, loss history, and territory. Contact Crouse and Associates for specific underwriting and premium guidance.
Can you write accounts that include hazardous materials?
We can consider accounts hauling incidental hazardous consumer packaged goods. Heavy hazmat or high-hazard tank operations are typically outside our appetite.