J.M. Wilson Corp. offers a Fleet Trucking Insurance program built for the complex needs of commercial trucking operations. As a Managing General Agency and Excess & Surplus Lines broker, we place accounts with both admitted and non-admitted carriers to deliver flexible solutions that help agents and brokers place a broad range of trucking risks efficiently and confidently.
Ideal Accounts and Appetite
Our Fleet Trucking Insurance program is designed for insureds operating multiple power units across local, intermediate, or long-haul routes. We welcome submissions for a wide variety of truck operations, including:
- Refrigerated goods carriers
- Flatbed and dry freight haulers
- Steel and auto haulers
- Sand, gravel, and grain haulers
- Livestock and milk haulers
- Intermodal carriers
- Loggers and oversized load haulers
- Owner-operators
If you have a client who transports specialized cargo or operates in niche segments, we often have a market for those exposures. We’re experienced in writing complex and hard-to-place accounts. Example: a regional refrigerated fleet expanding from local to intermediate routes, or an owner-operator who needs combined liability, cargo, and physical damage coverage.
Coverage Highlights and Advantages
We provide a robust package of core coverages for motor carriers, with higher limits and customized deductibles available depending on the risk. Key coverages include:
- Primary Liability* – Coverage for bodily injury and property damage to others.
- Motor Truck Cargo* – Protection against loss or damage to transported goods.
- Physical Damage* – Coverage for damage to owned vehicles (comprehensive and collision).
- Truckers General Liability – For non-driving exposures such as premises and operations.
- Bobtail/Deadhead Coverage – Protection for non-dispatch driving exposures.
* A credit may be available when Primary Liability, Physical Damage, and Motor Truck Cargo are combined in a package.
We also offer combined deductibles for Physical Damage and Cargo to simplify claims handling and reduce out-of-pocket costs for insureds.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by account size, driving radius, commodity, and loss history. We evaluate each account on its own merits and can often provide quick indications for well-documented submissions. Accounts with strong safety programs, driver qualification files, telematics, and well-maintained equipment receive the most competitive terms.
Territories and Availability
This program is available in the following states: GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI. Because we represent a mix of admitted and non-admitted carriers, we have flexibility to place both standard and hard-to-place risks within these territories.
Why Work With J.M. Wilson Corp.?
With decades of experience in transportation underwriting and wholesale distribution, J.M. Wilson provides agents with access to experienced underwriters, responsive service, and competitive markets. Whether you’re quoting a small regional fleet or a larger long-haul operation, we work to tailor limits, deductibles, and coverages to fit the specific exposures of the account.
We offer fast turnaround on quotes, practical underwriting guidance, and placement options across both admitted and E&S markets. Partnering with us helps you move more trucking business from submission to bind.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for small to mid-sized fleets operating local, intermediate, or long-haul routes. We can accommodate specialized haulers such as refrigerated, livestock, intermodal, and more.
Can I combine coverages for a credit?
Yes. When you package Primary Liability, Physical Damage, and Motor Truck Cargo together, a credit may be available to reduce total premiums.
Are higher liability limits available?
Yes. We offer up to $2 million in primary limits, and higher limits can be arranged through our excess markets depending on the account profile.
What is the typical turnaround time for quotes?
We pride ourselves on fast turnaround. Most submissions are reviewed and quoted quickly once required information is received.
In which states is this program available?
This program is available in GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI.
Need help placing an account? Connect with a market specialist.