Long Haul Trucking Workers' Compensation Insurance From Keating
Keating provides a specialized workers' compensation program designed for long haul trucking and other high-exposure transportation operations. Leveraging relationships with multiple carrier markets and deep knowledge of trucking exposures, Keating helps agents and brokers place multi-state trucking payrolls that require tailored workers' comp solutions.
The program accommodates both small and large fleets, including operators engaged in towing, fuel and bulk liquid hauling, and long-distance freight. Whether your client is a regional carrier expanding into interstate routes or a national hauler with a complex driver roster, Keating can help you secure appropriate workers' compensation limits and terms across jurisdictions.
Ideal Accounts and Appetite
Keating is focused on transportation accounts with workers' compensation premiums of $150,000 or more, though individual cases are evaluated on their merits. Typical classes we target include:
- Long haul and regional freight carriers
- Fuel and bulk liquid haulers
- Towing companies and roadside assistance fleets
- Mixed-use fleets with multiple vehicle classes and operations
Accounts with documented safety programs, proactive loss control, and strong driver hiring/monitoring practices are preferred. Newly formed ventures can be considered, but underwriting will review experience, controls, and state-specific eligibility.
Coverage Highlights and Advantages
Keating’s program is structured to address the operational and regulatory complexities of transporting employees across state lines. Key advantages for agents and their clients include:
- Access to several carrier markets to increase placement flexibility
- Capacity to handle both small and large fleet payrolls and exposures
- Support for higher-risk operations such as fuel hauling and towing
- Underwriting that focuses on reducing exposure and improving compliance
These features help you match clients to markets that understand transportation-specific loss drivers and can offer more tailored terms than standard commercial lines.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $25,000, though actual requirements vary by size of business, classification of operations, and state. Underwriters evaluate transportation-specific exposures such as DOT compliance, driver qualification files, safety programs, and recent loss history. Providing a complete submission—including detailed payroll breakdowns, driver MVRs, and loss runs—speeds the quoting process.
Territories and Availability
This program is currently offered in the following states: Arizona, Connecticut, Georgia, Illinois, Indiana, Kansas, Missouri, North Carolina, Nebraska, Nevada, Pennsylvania, Tennessee, and Virginia.
Carrier options and admitted status may vary by state; Keating works with both admitted and non-admitted markets depending on jurisdiction and the profile of the risk.
Why Work With Keating?
Keating combines transportation-focused underwriting with strong carrier relationships and responsive service. The team is experienced in placing accounts that do not fit standard markets and can navigate complex multi-state payroll and compliance issues. For agents, this means better access to markets that understand trucking exposures and a partner that can help close difficult placements.
To learn more about placing transportation clients through this program, contact Keating or visit their company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for long haul trucking companies, fuel haulers, towing operations, and mixed-use fleets with premiums generally over $150,000.
Is this program available for new ventures?
New ventures may be considered if they can demonstrate relevant experience, safety protocols, and meet state-specific guidelines. Underwriting review is required.
What states is this program available in?
The program is currently offered in AZ, CT, GA, IL, IN, KS, MO, NC, NE, NV, PA, TN, and VA.
What is the minimum premium requirement?
Minimum premiums start at $25,000, though actual minimums depend on the size of the account, class codes, and state.
Do you work with admitted or non-admitted carriers?
Keating places business with several carriers across admitted and non-admitted markets, depending on the state and the nature of the risk.
Need help placing an account? Connect with a market specialist.