Trucking Insurance · FMCSA

Trucking insurance.
Every product, answered.

We do not sell policies: we sell protection you understand before you sign and that pays out when you need it. New authority, small fleet, or expansion; we have options others do not offer.

15+
Years in freight transportation
4.9
Carrier rating
1,500+
Carriers protected
24h
Average COI time
Trucking Insurance

Choose the coverage your operation needs

Primary Auto Liability
Physical Damage
Motor Truck Cargo
General Liability
Trailer Interchange
Workers Comp
Premium Financing
Auto Liability

Primary Auto Liability

"Authority ready. Coverage delivered fast."
For: The Legal Operator, owner-operator or small fleet manager
You need $750K CSL to operate legally. We secure it in hours, with a flexible down payment and no surprises. New authority or fast renewal: we respond in English or Spanish and issue same-day COIs.
  • 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

Response in under 4 hours
Physical Damage

Physical Damage

"Protect your asset. Get back on the road."
For: The Family Man, owner-operator who depends on the truck as his main asset
Your tractor is an $80K-$150K investment. Physical Damage coverage protects you against collision, theft and vandalism. Includes Rental Reimbursement so you don't lose income while the truck is in the shop.
  • 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

Response in under 4 hours
Cargo

Motor Truck Cargo

"Protected cargo. Claims that pay."
For: The Customer Service / Dispatcher, customer service or dispatcher handling cargo claims
Coverage for the cargo you haul. We explain what it covers and what it doesn't BEFORE it's too late; not after the rejected claim. Full-value coverage, not cents per pound.
  • 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

Response in under 4 hours
General Liability

General Liability

"Package price. Needs analysis included."
For: The Small Business Owner, trucking company owner with facilities
GL coverage for facilities, employees and operations. If you have a warehouse, office or W-2 employees: you need GL. We analyze your operation and recommend the correct limit.
  • 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

Response in under 4 hours
Trailer Interchange

Trailer Interchange

"UIIA compliance. Ports accessible."
For: The Carrier with Trailer Pool, carrier operating with third-party trailers
If you operate with third-party trailers, at ports, intermodal facilities or trailer pools, you need Trailer Interchange coverage. Progressive does NOT offer this coverage. Without it, you cannot operate at ports.
  • 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

Response in under 4 hours
Workers Comp

Workers' Compensation

"Low EMR. Prepared audit."
For: The HR/Fleet Compliance, operations manager with W-2 employees
Coverage required for salaried employees. Medical expenses + lost wages + employer liability. We help you classify employees correctly and prepare the annual audit so it is not a surprise.
  • 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

Response in under 4 hours
Premium Financing

Financing & Renewals

"Lower down payment. Better renewal."
For: the owner-operator or fleet manager managing cash flow and coverage continuity
We finance your premium with the lowest possible down payment and installments aligned with your cash flow. We manage your account with the premium finance company and audit your renewal from year one to reduce costs.
  • 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

Response in under 4 hours
Why choose us

Why do thousands of carriers choose us?

We are not the biggest insurer. We are the one that responds when it matters.

15+
Years protecting carriers in the U.S.
4.9
Average carrier rating
1,500+
Owner-operators and fleets protected
01

We speak your language

The entire process, quotes, COI issuance, and claims, we handle it in English or Spanish without losing technical context. No Google translations.

02

We respond fast

COI in hours, not weeks. If you need to start operating tomorrow, we help. You have our direct number.

03

We explain before you sign

We know nobody reads the policy. That is why we tell you what it covers and what it does not, with real examples, not fine print.

04

Licensed in multiple states

We can issue in Florida, Texas and the main trucking operation states.

05

Complete documents

BMC-91, MCS-90, COI, UIIA: we deliver everything ready so you comply with FMCSA and your brokers.

06

We analyze your entire operation

We do not sell you one product: we recommend the right package for your operation and budget.

07

Claims that actually get paid

We are an independent broker: your interest comes first. If you have a claim, we talk to the insurer for you.

FAQ: Products

Frequently asked questions

How long does it take to get the COI?

For new authorities with complete documentation: same day. For renewals: minutes. Not weeks. If you need to start operating tomorrow, call us.

Does Oakfort speak Spanish?

Yes. The entire process, quotes, COI issuance, and claims, we handle it in Spanish without losing technical context.

What documentation do I need to get a quote?

MC or USDOT number, your last 3 years of insurance history (if any), a list of drivers with MVRs, and a description of your equipment.

Can I pay in installments?

Yes, we have monthly payment options so your cash flow does not dry up. Ask us about financing options.

Do you accept new carriers (new authorities)?

Yes. We work with insurers that cover new authorities and have flexible down payment options so you never end up without coverage for lack of cash.

What if I have a claim, how do you help me?

We act as the intermediary with the insurer. We do not leave you fighting adjusters alone. We accompany you through the whole process: from the first call to the final settlement.

Can I combine several products?

Yes. In fact it pays off: combining Primary Auto Liability, Physical Damage and Motor Truck Cargo typically lowers the total cost and simplifies administration.

What requirements do you have to insure a fleet?

It depends on size and state. Fleets of 3+ trucks usually qualify for special programs with better rates. Contact us for a personalized analysis.

Is it possible to get covered without prior history?

Yes. Some markets specialize in carriers with no history. We review your profile and look for the best option among our markets.

Individual Products

Need more detailed info on a product?

Each individual page answers the specific questions of that product, based on real pain points from truckers on Reddit and freight forums.

01

Primary Auto Liability

The Legal Enforcer · Owner-operator

Costs for new authorities, renewal after a claim, correct limits. Claims resolved.

Read more →
02

Physical Damage

The Family Man · Asset protector

Deductibles, downtime coverage, Rental Reimbursement. Claims paid without delays.

Read more →
03

Motor Truck Cargo

The Customer Service / Dispatcher · Cargo manager

Full value vs. cents per pound, technical rejections, refrigerated equipment failure. Everything before the claim.

Read more →
04

General Liability

The Small Business Owner · Entrepreneur

GL vs. Auto Liability, bundled price, litigation risk in Florida. Limit recommendations.

Read more →
05

Trailer Interchange

The Carrier with Trailer Pool · Equipment negotiator

What it is, what it is for, why Progressive does not offer it. UIIA and Amazon Relay compliance.

Read more →
06

Workers Compensation

The HR / Fleet Compliance · Employer

EMR, classification codes, annual audit. Correct employee classification from day one.

Read more →