FMCSA-Compliant Commercial Trucking Insurance
Your Business Always on Route, Backed by Your Best Insurance Ally
We quote in hours and issue same-day Certificates of Insurance (COI), ensuring your fleet has the right coverage and personal support on every mile.
Your authority on the road, secured.
In freight transportation, the right paperwork is as vital as the engine of your trucks. At Oakfort Insurance Group LLC, we act as your strategic partner, managing with absolute precision every federal endorsement and certification so your company keeps its doors open with the best freight generators in the country.
BMC-91 / BMC-91R
Forget automatic suspensions of your operating authority. We process and file the financial responsibility form with the FMCSA quickly, ensuring strict compliance with the liability requirements needed to keep your MC Authority active and penalty-free.
Read more →Form MCS-90
We guarantee the legal protection required for interstate transportation. We make sure your policy properly includes the regulatory MCS-90 endorsement, certifying your operation carries the standard minimum coverage of $750,000 CSL (or higher, depending on your cargo type), 100% compliant with federal protection regulations.
Read more →UIIA Compliance
Expand your routes toward the most lucrative logistics hubs. We structure and adapt your insurance coverages to faithfully comply with the Uniform Intermodal Interchange Agreement (UIIA). We give you the green light to operate at ports, rail terminals, and to handle third-party containers or trailers without bureaucratic delays.
Read more →COI Certificate
We know a parked truck waiting on paperwork is lost money. We issue your Certificates of Insurance (COIs) with business priority, sending them the same day with the specific requirements your freight brokers and contractors demand to assign you loads. Speed, availability, and support just one call away.
Read more →Do you need help with {code}?
Pillars of Commitment and Availability
The bridge to the best options in the market
We analyze the alternatives with the country's leading insurers to connect your fleet with the optimal coverage. We optimize your risk profile to secure transparent, stable, and efficient options, with no hidden coverages or unnecessary costs.
Presence and total availability when you need us most
In the freight industry, we know routes and surprises have no schedule. That is why our team is always at your disposal to resolve questions, issue Certificates of Insurance (COIs) quickly, or provide close, direct support in the event of a claim. You will never be alone on a corporate phone line.
Expert advice rooted in transportation
Under the leadership of our Principal Agent, Cristian Betancur, we combine the technical knowledge of the Florida 2-20 license with years of real experience in logistics and FMCSA/DOT compliance. We are not just your agents; we are specialists who understand the reality of your business and safeguard your financial stability.
Primary Auto Liability
- Extreme costs: $14K-$18K/year per truck for new authorities
- Large down payments that choke your cash flow
- You do not know what limits you need ($750K FMCSA vs $1M brokers)
- Traumatic renewal: claim → not renewed → you lose authority
- Progressive is the only option but has a reputation for automatic denials
Quote Primary Auto Liability
Physical Damage
- Deductibles of $2,500-$5,000 out of your pocket when you have a claim
- Claims take weeks or months: an inoperable truck = zero income
- "Total loss" pushed to the second claim: reduced coverage
- Coverage gaps: you don't know what your policy covers until you file a claim
- Rates go up with any claim even if it wasn't your fault
Quote Physical Damage
Motor Truck Cargo
- Claims rejected on technical grounds (moisture, packaging, force majeure)
- The insurer doesn't respond when there is a claim
- Coverage doesn't include the full value of the cargo
- Claims rejected because the driver broke the seal too early
- You don't know what coverage you have until you have a claim
Quote Motor Truck Cargo
General Liability
- You don't know what coverage you need: GL vs Auto Liability are different
- High costs for new operations: $36K/year truck + GL
- Florida has high litigation risk: million-dollar verdicts affect everyone
- You only buy the minimum you are asked for without understanding what is covered
Quote General Liability
Trailer Interchange
- You didn't know this coverage existed until you had a rejected claim
- Claim rejected because you didn't have a written Trailer Interchange agreement
- Progressive does NOT offer this coverage: you can't operate at ports
- Amazon Relay requires $50K of Trailer Interchange coverage; many don't know it
Quote Trailer Interchange
Workers' Compensation
- Rates vary greatly by state and employee classification
- EMR can multiply your premium if there are claims: it can double your rate overnight
- The year-end audit can result in a surprise additional premium charge
- Incorrect employee classification = cancelled policy or rejected claim
Quote Workers Comp
Financing & Renewals
- The annual premium paid upfront can freeze your operating capital
- Policy changes (adding trucks, limits) complicate the balance with the finance company
- Many renew automatically with the same insurer and overpay without knowing it
- Without a preventive notice, a late payment can lead to cancellation and loss of FMCSA authority
Quote Premium Financing
Frequently Asked Questions
How long does it take to get a COI?
For new authorities with complete documentation: same day. For renewals: minutes. Not weeks.
Do you work with insurers that accept new authorities without 2 years of history?
Yes. Oakfort specializes in new authorities. We approve 85% of applications with complete documentation, vs. 72% in the general market. Progressive ends up being the only option for many; and they charge a premium for being the last door open. We work with insurers that accept less than 2 years of history and with flexible down payments so your cash flow is not choked.
What documentation do I need to get a quote?
MC number or USDOT, your last 3 years of insurance history (if you have it), a list of drivers with MVRs, and a description of your equipment.
What happens if I have a claim during my policy term?
We act as your intermediary with the insurer. We do not leave you fighting adjusters alone. We support you from the first call to the final settlement: in Spanish, with weekly follow-up until resolution. Oakfort is not the insurer; it is the independent broker that defends your interest with the insurer.