Comprehensive Truckers General Liability Coverage from Transportation Risk Services
Transportation Risk Services (TRS) offers a specialty Truckers General Liability Insurance program for transportation-related businesses. As a transportation-focused MGA and wholesale broker, TRS provides agents and brokers with fast access to markets, experienced underwriting, and responsive service — including a typical 24-hour turnaround on quotes. This non-admitted E&S facility is built to address general liability exposures unique to trucking operations and related logistics businesses.
Ideal Accounts and Appetite
This program supports a wide range of transportation operations, including:
- Trucking companies — with or without warehouse/yard exposure
- Express delivery services — excluding explosive or ammunition transport
- Freight forwarders
- Truck brokers
Common class codes TRS will consider include:
- 61226 – Buildings or Premises – Office – NOC (For Profit)
- 91591 – Contractors
- 94099 – Express Companies
- 94617 – Freight Forwarders
- 99793 – Truckers
- 99938 – Warehouses
If your client combines trucking with warehousing, freight brokerage, or equipment-provider arrangements, this program can be tailored to address those blended exposures.
Coverage Highlights and Advantages
TRS’ Truckers General Liability program is designed for transportation risks and offers a suite of optional extensions to create complete placements. Highlights include:
- Blanket Additional Insured and Waiver of Subrogation wording
- Blanket Equipment Provider endorsements for UIIA compliance
- Employment Practices Liability (EPLI) as an option
- Equipment Breakdown coverage
- Excess Liability capacity
- Identity Recovery
- Inland Marine and Property options where appropriate
Underwriting Guidelines and Minimum Premiums
TRS maintains underwriting discipline to protect program performance. The facility favors accounts with clean loss histories and operators with at least three years in business, though each submission is evaluated on its merits. The program minimum premium is $500, making it accessible for smaller operations as well as mid-size fleets.
Prohibited Risks
The program excludes the following high-risk or specialized exposures:
- Transport of explosives, munitions, heated asphalt, or fuel products
- Vehicle repossession or transport of buildings/mobile homes
- Hazardous waste or medical waste hauling
- Meat or seafood hauling, unless operator has 3+ years loss-free
- Oilfield-related transport and over-size loads that require special permits
- Ambulance, school bus, or other public transportation services
Additionally, air couriers (e.g., FedEx/UPS-style operations), drive-away contractors, bicycle couriers, and fast-food delivery services are not eligible for this program.
Territories and Availability
The Truckers General Liability program is available in the following states:
- California (CA)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Kentucky (KY)
- Michigan (MI)
- Minnesota (MN)
- Missouri (MO)
- Wisconsin (WI)
Why Partner with Transportation Risk Services?
Based in Barrington, IL, Transportation Risk Services is a niche MGA and E&S broker focused on trucking and public auto. Agents benefit from TRS’s transportation underwriting expertise, broad optional coverages, and quick response times. TRS works as a program and broking facility, offering market access for placements that need tailored terms or non-admitted capacity.
Example scenarios that often fit this facility:
- You have a regional trucking client that also operates a small warehouse and needs GL plus additional insured endorsements for contract partners.
- You represent a freight forwarder or broker seeking contractual liability protection and UIIA-compliant equipment provider wording.
For placement assistance or to submit a risk, connect with a TRS market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for trucking companies, freight forwarders, express delivery firms (excluding explosives), and truck brokers, including those with warehouse exposures.
What are common reasons a risk would be ineligible?
TRS does not write risks involving explosives, hazardous materials, repossession, oilfield hauling, over-size loads requiring permits, public transport, or fast-food delivery.
What is the turnaround time for quotes?
Transportation Risk Services typically offers a 24-hour turnaround on most submissions.
Is there a minimum premium?
Yes. The program has a minimum premium of $500, making it suitable for small and mid-sized transportation businesses.
Where is this program available?
The Truckers General Liability program is currently available in CA, IL, IN, IA, KY, MI, MN, MO, and WI.
Need help placing an account? Connect with a market specialist.