Look beyond the premium
Compare premium with retained losses, limits and collateral. Model several claims in one year before taking a larger deductible.
ATRI: motor carrier insurance costs ↗Transportation
Insurance for your trucking business.
What you haul, where you run and who drives your trucks. We get to know the operation before we take it to market.
Discuss your trucking program →
Motor truck cargo
The load matters.
Not just the limit.
What you haulMaximum load valuePolicy conditions
A certificate is evidence of insurance. It does not expand cargo coverage. We look at the freight and the policy behind it.
Explore cargo coverage ↗The insurance program
From the truck to the freight.
Explore the parts of a program we can review with you.
Talk through your coverage ↗Commercial auto liability
Liability limits, insured vehicles, drivers and required filings, evaluated alongside contractual obligations.
More about commercial auto liability →Motor truck cargo
Freight type, maximum load values, theft and refrigeration provisions, and loading or storage conditions.
More about motor truck cargo →Physical damage
Truck and trailer values, loss-settlement terms, deductibles, towing and recovery restrictions.
More about physical damage →Owner-operator programs
Primary liability or leased-operator coverage, with business-use and lease requirements reviewed together.
More about owner-operator programs →Fleet & excess programs
Primary and excess limits, retained losses and the operating evidence behind a fleet submission.
More about fleet & excess programs →Freight brokers & logistics
The distinction between arranging transportation and operating vehicles, including contingent exposures.
More about freight brokers & logistics →What to bring to a review
Tell us the commodities, operating territory, fleet size and renewal timing. Current policies, loss runs, driver and vehicle schedules, and material contracts can follow the first conversation.
Common questions
Questions from the road.
Are federal minimums enough for my operation?
Federal requirements vary by operating authority, vehicle weight and cargo. They are not a recommendation of adequate limits. We review the applicable filing requirements and the limits your contracts ask for.
Does non-trucking liability cover every trip off dispatch?
No. Business purpose matters, including some maintenance and return trips. Bobtail and unladen forms differ. The lease, facts of the trip and policy wording need to be reviewed together.
What if my fleet has a significant claim?
Begin with accurate loss information, what the investigation established and the corrective action taken. That gives prospective markets a clearer basis for assessing the account. Available terms still depend on the risk and insurer appetite.
How do I request a certificate?
Email info@a2insurance.com with your business name, holder details, insurance requirements and date needed. New endorsements may require insurer approval. A certificate does not amend the policy.
Is there 24/7 certificate or document access?
Access depends on the carrier and account platform. Ask us to confirm available self-service options. Email requests may be sent at any time, but that is not a promise of 24/7 staffed service.
Do you coordinate Canadian and U.S. operations?
Yes. Appropriately licensed A Squared personnel handle the U.S. insurance, while our sister brokerage handles Canadian matters. We review operating territories, insured companies and required filings rather than assuming one policy covers both countries.
From our journal
Related articles.
More review notes & industry references
Make the safety work visible
Driver screening, maintenance records and corrective action give underwriters evidence of how the fleet manages risk.
Northland: fleet safety evaluation ↗Check the load behind the certificate
Check commodities, load values and storage conditions. A certificate does not expand cargo coverage or confer additional insured status.
Progressive: motor truck cargo ↗Let's talk about your insurance.
Tell us about your business and what you need.