Commercial trucking is undergoing significant changes—labor shortages, evolving self-driving technologies, and unpredictable weather events continue to challenge the industry. Meanwhile, many large insurance carriers are pulling out of the commercial auto space, leaving insurance agents with fewer options for placing quality trucking risks.
Ideal Accounts and Appetite
Our program is built to support a wide variety of commercial auto classes. Whether your client operates a single vehicle or a large fleet, we offer solutions tailored to their operations. We’re especially strong in classes that may have difficulty finding coverage in the standard market, such as:
- Long-Haul Trucking
- Business Commercial Auto for general business use
- Taxi Cabs and Rideshare Vehicles
- School and Airport Buses
- Black Car and Limousine Services
- Auto Fleets and New Venture Operators
This program is also a great fit for non-traditional or higher-risk operations, including those with prior losses or newer DOT numbers. If you have a client who’s been declined elsewhere due to their operating history or unique vehicle use, we may be able to help.
Coverage Highlights and Advantages
We provide a wide range of coverage options that can be tailored to your client’s specific exposures. Available coverages include:
- Auto Liability
- Auto Physical Damage
- Motor Truck Cargo
- Drive Away Coverage
- Terminal Operation
- Hired & Non-Owned Auto
- Commercial Truck Coverage
- New Operators Coverage
- Excess Liability Coverage
Our flexibility allows agents to craft a policy that fits the exact needs of each fleet or independent operator, helping them stay compliant and protected on the road.
Underwriting Notes and Minimum Premiums
We evaluate each risk individually and are open to new ventures, distressed risks, and operators with prior claims. While minimum premium requirements vary based on the class and state, we work closely with agents to find a solution that fits both coverage needs and budget.
Territories and Availability
We offer this Commercial Trucking Insurance program in nearly all U.S. states. Currently, it is available in:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY
Some coverages may be offered on an admitted basis in select states.
Why Work With Prime Insurance Company?
Prime Insurance Company is a reliable partner for agents seeking comprehensive, flexible trucking insurance solutions. Our underwriting team understands the complexity of commercial auto risks and works directly with agents to find the right fit—even for accounts that fall outside the standard market. We pride ourselves on responsive service, quick turnaround times, and a deep understanding of the trucking industry’s evolving risk landscape.
To learn more about our Commercial Trucking Insurance program or to discuss a specific account, visit our company profile or go directly to our program page.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We’re a strong fit for long-haul trucking, taxi services, rideshare drivers, airport and school buses, black car services, and other commercial auto operations—including new ventures and hard-to-place risks.
Is this program available for new trucking businesses?
Yes, we offer coverage for new operators and new ventures, including those with limited operating history or prior claims.
Can I offer coverage for hired or non-owned vehicles?
Yes, Hired and Non-Owned Auto coverage is one of the many options available under this program.
Which states are eligible for this program?
The program is available in most U.S. states, including CA, FL, TX, NY, IL, and many others. Some states may offer admitted coverage depending on the risk.
Does Prime Insurance Company write excess coverage for trucking risks?
Yes, excess coverage is available and can be added based on the needs of the account.
Need help placing an account? Connect with a market specialist.