From a single hotshot rig to a multi-unit fleet, we place trucking programs with carriers who actually understand FMCSA rules, MCS-90 filings, and the contracts you need to haul.
The Federal Motor Carrier Safety Administration (FMCSA) is the federal agency that regulates commercial motor vehicle safety on U.S. highways — hours of service, driver qualifications, maintenance, and the financial responsibility and insurance filings every for-hire carrier has to carry. We make sure your program meets what the FMCSA and your shipper contracts actually require, not just the minimum on paper.
Whether you're an owner-operator, running a small fleet, or hauling long-haul under your own authority, these are the coverages that keep your operation moving.
Primary liability for bodily injury and property damage caused while operating your truck. The foundation of any trucking policy and the coverage FMCSA financial responsibility rules reference directly.
Protects the freight you're hauling. Limits and exclusions vary by commodity — dry van general freight, refrigerated loads, auto haul, and heavy equipment all rate differently. We match the form to the load.
Covers the rest of what your operation does — loading, unloading, tarping, and non-trucking use. Critical for owner-operators leased to a motor carrier and anyone whose exposure isn't limited to driving.
Collision and comprehensive coverage for your tractor, trailer, and attached equipment. Protects the asset that earns you a living — from a blown tire on the interstate to weather, theft, or a deer in the road.
Where and how you operate decides what filings you need. We handle both sides so your authority stays active and your rigs stay rolling.
If you cross state lines or haul interstate freight, the FMCSA requires an MCS-90 endorsement filed as proof of financial responsibility. The MCS-90 requires that all units used in interstate commerce are covered by the carrier — not a subset, not the ones "on the truck today."
Federal FilingIf you operate only within one state, you file with your state's motor carrier authority instead of the FMCSA. Requirements, minimum limits, and filing forms vary state to state. We handle the paperwork either way so you can focus on driving.
State FilingA $1M Combined Single Limit is the standard most shippers, brokers, and freight contracts require before they'll let you haul for them. We write trucking programs at $1M CSL and higher as a matter of course — and if you're working with a shipper that wants you listed as an Additional Insured or a primary & non-contributory endorsement, we handle that too.
We write coverage for every shape of trucking operation — and we don't shy away from new authorities or owner-operators other agents send elsewhere.
Under your own authority or leased on to a carrier.
2 to 25 units, growing authorities and regional runs.
Coast-to-coast interstate runs with MCS-90 filings.
Pickup-and-flatbed operators hauling expedited loads.
Motor carriers hauling freight for compensation.
Companies hauling their own product or materials.
We don't just write the big semis. If it has wheels, a DOT number, and a reason to be on the road, there's a market for it.
Running something unusual? Call us — we write niche and specialty vocations too.
Modern trucking runs on data — dispatch software, ELD/telematics systems, broker portals, shipper credentials, driver files, and customer payment info. A ransomware hit or stolen laptop can freeze your dispatch and expose you to notification costs and legal fees. We strongly recommend adding cyber liability to protect the systems your business depends on.
Tell us about your operation — units, authority, commodities, and runs — and we'll shop the carriers who want your business.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you — please review your own policy documents carefully and contact us directly for specifics about your account.