Overview of the Trucking Insurance Program from Southern Insurance Underwriters, Inc.
Southern Insurance Underwriters, Inc. (SIU) offers a dedicated Trucking Insurance program built for agents who need a reliable market for long-haul, intermediate and local trucking accounts. Backed by more than 80 years of commercial transportation underwriting experience, SIU delivers coast-to-coast capacity through a panel of markets with competitive pricing and rapid turn-around on quotes and submissions.
Ideal Accounts and Appetite
This program is designed for small-to-mid fleets up to larger single-owner operations. Typical fit includes:
- Number of units: 1 to 200
- Operations: long-haul, intermediate and local delivery
- Radius: mixed radius rating (0–300 miles, 301–600 miles, 600+ miles)
- Acceptable commodities:
- Dry van freight
- Refrigerated freight (frozen only; no “iced” meat)
- Flatbed freight
- Agricultural commodities (fertilizer accepted provided ammonium nitrate content is =33%)
- Non-hazardous liquids transported in baffled tankers
Accounts outside these parameters, high-hazard commodities, or specialized hauls may not fit; please refer submission guidelines or contact SIU for acceptance criteria.
Coverage Highlights and Advantages
SIU’s Trucking Insurance program pairs targeted underwriting with flexible coverage options common to commercial auto programs: tailored auto liability, physical damage, cargo protection, and ancillary liability extensions as available. Key advantages for agents include:
- Competitive rates through multiple carrier relationships (carriers vary by risk)
- Fast quote turn-around to help you win submissions
- Underwriting that understands transportation exposures — from owner-operators to small fleets
- Ability to place mixed radius accounts with tiered rating for varying route profiles
Underwriting Notes and Minimum Premiums
Underwriters evaluate units, radius, commodity, vehicle age, loss history and driver records. Important underwriting points:
- Unit count accepted: 1–200
- Radius classes: 0–300, 301–600, 600+ (mixed radius rating supported)
- Commodity restrictions: no iced meat; fertilizer limits; only non-hazardous liquids in baffled tankers
- Carriers and admitted status: Most available markets — admitted or non-admitted capacity varies by state and risk
- Minimum premium: varies by carrier and state; provide full details on submission to determine applicable minimums
Territories and Availability
This SIU Trucking Insurance program is available in AL, FL, GA and SC. Coverage availability and admitted/non-admitted placement options depend on the specific carrier selected for the risk, so please confirm market availability when you submit.
Why Work With Southern Insurance Underwriters, Inc. on Trucking Insurance
SIU is a managing general agency with deep roots in transportation underwriting. Agents benefit from SIU’s experience, flexible market access, and quick response on quotes and endorsements. Whether you’re placing a single-truck operation or a 100+ unit fleet that runs regional or national lanes, SIU provides practical solutions and responsive underwriting to help you place business and retain clients.
Example accounts that fit well
- A 25-truck refrigerated dry-van fleet running 300–600 mile regional lanes carrying frozen foods (no iced meat).
- An owner-operator flatbed carrier that hauls building materials within a 0–300 mile local radius.
SIU provides streamlined submissions and prompt quotes. Prepare loss runs, vehicle/unit lists, driver MVRs, and commodity details to expedite underwriting review.