Target Classes for Trucking Insurance
- Steel Haulers
- Milk Haulers
- Dry Freight
- Auto Haulers
- Dump Trucks
- Loggers
- Grain Haulers
- Livestock Haulers
- Cement Mixers
- Many more…
Coverage Options
- Primary Liability *
- Motor Truck Cargo *
- Physical Damage *
- Truckers General Liability
- Bobtail/Deadhead
- Local, Intermediate, and Long Haul
- Owner Operators
*Credit available when all three are combined in a package
Key Product Features:
- Phone quotes available for 1–2 unit accounts
- Direct Bill available for 1–2 unit accounts
- Pollution Coverage available via CA 9948
- Liability Limits up to $1,000,000 CSL (higher limits available)
- Combined Deductibles available for Physical Damage and Cargo
- Hired Auto Physical Damage (subject to underwriting approval)
- Agency Bill Payment Plan Options
- A+ Rated Admitted Markets
- Fast quote turnaround times
- Prompt filing services
- Credit options for:
- Packaged Policies
- Owner Operators
- Experienced Drivers with Clean MVRs
Program Overview
J.M. Wilson is a trusted Managing General Agency with deep expertise in the trucking space. Through our long-standing relationships with top-rated carriers, we help agents place commercial trucking risks efficiently and competitively. This program serves both fleet and non-fleet operators across a wide range of haulers and vehicle types.
Ideal Accounts and Appetite
We welcome submissions for most types of commodity haulers, including but not limited to steel, grain, livestock, logs, and cement. Whether you're working with an independent owner-operator or a regional fleet hauling dry freight, we're positioned to assist. Phone quotes and direct billing make this ideal for smaller accounts, while our broad market access supports more complex risks as well.
Example: You might have a client who runs three dump trucks regionally across Indiana and Kentucky. Or perhaps you’re placing a long-haul refrigerated hauler based in Ohio. We can help you find the right market and coverage structure.
Underwriting and Premium Notes
Minimum premiums vary depending on the specific risk, vehicle count, and coverage selections. Credits are available when Primary Liability, Physical Damage, and Motor Truck Cargo are combined in a package. Additional discounts may apply for experienced drivers, clean MVRs, and owner-operator accounts.
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. Availability and market appetite may vary slightly by state and class of business.
Why Work With J.M. Wilson
With a proven track record in the commercial trucking space, J.M. Wilson offers agents flexible options, responsive service, and access to A+ rated admitted markets. Fast turnaround times and credits for packaged policies help you stay competitive. Our underwriting team understands the unique risks of the transportation industry and works with you to deliver solutions that meet your clients’ needs.
Frequently Asked Questions
What types of accounts are a good fit for this trucking program?
We can accommodate both fleet and non-fleet trucking risks, including steel haulers, grain haulers, dump trucks, auto haulers, and more. Owner-operators and small fleets are especially well-suited for our quick-quote options.
Is this program available for long-haul trucking operations?
Yes, we provide coverage for local, intermediate, and long-haul operations across multiple eligible states.
What states is this program available in?
We currently offer trucking insurance solutions in GA, IL, IN, KS, KY, MI, MO, NC, OH, PA, SC, TN, WV, and WI.
Are credits available for combining coverages?
Yes. Credits are available when Primary Liability, Physical Damage, and Motor Truck Cargo are written together in a package.
Do you offer coverage for small accounts?
Absolutely. We provide phone quotes and direct bill options for 1–2 unit accounts, making it simple to place smaller risks.
Need help placing an account? Connect with a market specialist.