Overview of the Trucking Insurance Program from Transportation Risk Services
Transportation Risk Services (TRS) is a specialty MGA and wholesale broker focused on transportation risks nationwide. TRS offers targeted trucking insurance solutions for owner-operators, small fleets and larger regional/national fleets. Coverage and terms are tailored to the operation’s radius, cargo type and rating basis—so you can place accounts written on mileage, revenue or scheduled-unit rating.
Ideal Accounts and Appetite
TRS writes a broad spectrum of trucking accounts. Typical targets include:
- Dry van carriers (general commodity freight)
- Refrigerated (temperature-controlled) haulers
- Flatbed and construction-related haulers
- Intermodal and drayage operations
- Auto transporters
They accommodate both fleet and non-fleet operators across local, intermediate and long-haul profiles. Appetite is flexible for standard commodities; higher-hazard classes or specialized exposures may require additional underwriting or alternate markets.
Example scenarios you might place through TRS:
- An expanding regional refrigerated fleet seeking primary auto liability and motor truck cargo on a revenue rating basis.
- An owner-operator who needs mono-line physical damage plus contingent cargo coverage for intermittent intermodal work.
Coverage Highlights and Advantages
TRS can place mono-line or packaged policies depending on carrier availability. Available lines include:
- Primary Auto Liability
- Auto Physical Damage
- Excess and Umbrella Liability
- Non-Trucking Liability
- Property and Warehouseman
- Garage Liability
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- Truckers General Liability
- Motor Truck Cargo
- Excess Cargo
- Occupational Accident
- Contingent Cargo
- Garagekeepers Legal Liability
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Common coverage extensions (vary by carrier) include:
- Trailer Interchange
- Debris Removal
- Gap Coverage
- Blanket Additional Insured
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- Towing and Storage
- Earned Freight
- Terminal Coverage
- Specified Shipper
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Underwriting Notes and Minimum Premiums
TRS sources multiple admitted and non-admitted markets; most available markets are non-admitted. Underwriting is transaction-driven—carrier appetite and terms depend on fleet size, loss history, operations, commodities and radius of operations. The program is accessible to smaller operations, with most accounts starting at a minimum premium of $500.
Territories and Availability
This trucking program is available in most U.S. states, including AL, AZ, CA, FL, GA, IL, NY, TX and WA. TRS writes business nationwide and can place regional or multi-state accounts through its panel of markets.
Why Work With Transportation Risk Services
Based in Barrington, IL, TRS combines transportation-focused underwriting expertise with broad market access. Agents benefit from:
- Specialized transportation underwriting and quick, practical responses to submissions.
- Access to multiple admitted and non-admitted carriers to fit a range of risk profiles.
- Flexible rating options (mileage, revenue, scheduled units) to match clients’ business models.
- Support for both mono-line placements and multi-line packages to streamline servicing.
If you need help placing an account or determining the best market fit, TRS can review submissions and recommend appropriate coverage structures and markets.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program serves both fleet and non-fleet operations across local, intermediate and long-haul profiles, including dry van, refrigerated, flatbed, intermodal and auto haulers.
Can I submit accounts that only need one line of coverage?
Yes. TRS offers mono-line and packaged options depending on carrier availability and the customer’s needs.
What is the minimum premium for eligible accounts?
Most accounts have a minimum premium of $500, which helps make the program accessible for small to mid-sized operators.
Is this program available in all states?
The program is available in most U.S. states, including AL, CA, FL, IL, NY, TX and many others. Availability may vary by carrier and product.
What sets Transportation Risk Services apart?
TRS specializes in transportation risks and gives agents access to multiple markets, tailored solutions and experienced underwriting support focused on trucking exposures.
Need help placing an account? Connect with a market specialist.