Frequently Asked Questions

We specialize in commercial auto and trucking insurance, including coverage for owner-operators, fleets, and new authorities. Our offerings include auto liability, physical damage, cargo, general liability, workers' compensation, and additional coverages based on your operation.

Yes. We work with carriers that offer programs for new ventures and new authorities, helping startups secure compliant and affordable coverage from day one.

To provide an accurate quote, we typically need details such as DOT/MC number, driver information, vehicle details, operating radius, cargo type, and prior insurance history.

Absolutely. We work closely with owner-operators and small to mid-size fleets to tailor coverage that fits their specific risks, budget, and growth plans.

Yes. Cargo coverage can be customized based on the type of freight you haul, such as dry goods, refrigerated items, or specialty cargo. Certain commodities may require additional underwriting.

Bobtail or non-trucking liability provides coverage when a truck is operated for personal use or while not under dispatch. This coverage is often required for leased owner-operators.

Yes. We assist with required filings including BMC-91, BMC-34, and state filings to help keep your authority compliant.

Just contact us. We'll update your policy promptly to ensure your fleet remains properly covered and compliant.

Yes. We review driving records, safety programs, deductibles, and coverage options to help identify opportunities for savings without sacrificing protection.

You can request a quote by phone, email, or online. We'll ask a few questions to understand your needs and then present coverage options for you to review.

In most cases, requesting a quote does not impact your credit score. Some carriers may use a soft credit check for pricing purposes, depending on the type of policy.

In many cases, coverage can be bound the same day once underwriting requirements are met, payment is received, and all documents are completed.

Absolutely. We make the switching process easy and help avoid coverage gaps. We can also review your current policy to ensure you're properly protected.

We recommend reviewing your coverage at least once a year or whenever there is a major life or business change, such as buying a new vehicle, moving, or expanding operations.

If you experience a loss, contact your insurance carrier directly to file a claim. You can also contact us—we'll guide you through the process and assist you every step of the way. For commercial and trucking claims, claims are filed directly with the carrier, but we stay involved to help ensure clear communication.

A premium increase depends on several factors, including the type of claim, fault, and carrier guidelines. We're always happy to review your options after a claim.

Yes. Most insurance carriers offer flexible payment options such as monthly, quarterly, or paid-in-full plans, depending on the policy.

Yes. Protecting your personal and business information is a top priority. All information is handled securely and confidentially.