TRANSPORTATION INSURANCE
Keep vehicles working, drivers protected, cargo moving, and contract requirements on track. BLIS helps box-truck, towing, delivery, and for-hire trucking owners review the coverage that fits their fleet, routes, freight, and day-to-day operation.
Fleet review
Coverage built around how you operate
Review auto liability, cargo, physical damage, drivers, routes, and contract requirements in one conversation.
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Share your contact information and a few basics about your business. A licensed BLIS representative will review your request.
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Your business
Transportation businesses share a few essentials: vehicles on the road, drivers behind the wheel, cargo or customer property in their care, and contracts to satisfy. But a towing company, delivery fleet, and long-haul carrier need different kinds of protection.
Commercial auto liability is the foundation. Interstate and intrastate rules may set minimum limits, while shippers, brokers, or platforms can require more. Reviewing the current contract helps you avoid building a policy around a legal minimum that does not meet the work you accepted.
Motor truck cargo can address covered loss or damage to the freight itself—not the truck. The limit and policy terms should reflect what you carry, because refrigerated goods, electronics, building materials, and household property do not create the same concerns.
Physical damage can help repair or replace a covered truck after collision, theft, fire, and other covered causes. Vehicle age, value, financing, and use help an owner decide which options make practical sense.
Driver records matter because a fleet depends on the people operating it. License class, violations, accidents, experience, turnover, radius, and fleet size can affect availability and cost, making driver review an important business practice as well as an insurance question.
General liability, workers’ compensation, and umbrella coverage may round out the program by addressing off-vehicle operations, employees, and higher liability limits. BLIS helps you review the pieces together and keep required certificates or endorsements aligned with current contracts.
Businesses we help
Choose the business type closest to yours to see the everyday risks, coverage choices, and information that may matter when you request a quote.
Commercial auto, cargo, physical damage, and GL for local delivery and box truck fleet operations.
Auto liability, on-hook, physical damage, and garagekeepers for towing and roadside recovery operations.
Commercial auto and cargo for small trucking fleets — typically 2 to 10 units, regional or long-haul.
Independent owner-operators — bobtail, non-trucking liability, occupational accident, and commercial auto where it applies.
Auto liability, cargo, physical damage, and GL for local delivery running mixed vehicle types.
Interstate trucking operations — primary liability, cargo, physical damage, and the regulatory filings authority requires.
Cargo options for temperature-sensitive freight, including review of reefer breakdown and spoilage terms where available.
Coverage review for flatbed, lowboy, and specialized freight, including equipment values, load securement, commodities, and oversize work.
Auto liability and cargo for couriers, last-mile fleets, and contracted delivery van operations.
Commercial auto, cargo, and liability for household and commercial movers running box trucks and vans.
Coverage
These are common coverages to consider, not a one-size-fits-all package. What makes sense depends on how you operate, your contracts, state requirements, and the policy options available.
Commercial auto liability can address covered bodily injury and property damage when one of your vehicles is responsible for an accident. Federal or state rules may set minimum limits for regulated carriers, while shippers and platforms may require higher limits in their contracts.
Motor truck cargo can protect covered freight in transit from theft, accident damage, water, and other causes listed in the policy. Shipper contracts often set the required limit, while commodity exclusions can change what is actually protected. Cargo coverage is separate from commercial auto because the truck and the load are different property.
Physical damage can protect the covered vehicle against collision, rollover, theft, fire, vandalism, and certain weather losses. Lenders commonly require it on financed equipment. For an older truck, owners can compare its current value, policy terms, deductible, and cost at renewal.
On-hook coverage is designed for customer vehicles while they are being towed. Commercial auto addresses the tow truck; on-hook may address covered damage to what is being transported. The limit should reflect the types and values of vehicles your company typically handles.
Garagekeepers may address covered damage to customers’ vehicles while they are in your care at a storage lot, repair facility, or parking operation. Policy terms determine how fire, theft, vandalism, or collision losses are handled.
General liability can address covered injury or property damage arising from non-driving operations, such as the business premises and certain loading or unloading activities. Many transportation contracts require it in addition to auto liability because the two policies address different situations.
Coverage examples
A few situations to make coverage concrete. These are illustrations only — not actual claims, and not a guarantee of any coverage outcome.
A box truck carrying electronics is rear-ended, damaging both the truck and the shipment. Physical damage and motor truck cargo are separate coverages, and each claim is subject to its own limits and terms. Comparing the cargo limit with the value and contract requirements before accepting a load can help an owner spot a potential gap.
A towing company stores recovered vehicles overnight when a neighboring fire spreads into the lot. Garagekeepers coverage may respond to covered damage involving customer vehicles in the company’s care, while commercial auto addresses the tow trucks. Actual coverage depends on the policy terms and facts, so growing storage operations should be included in the review.
The claim scenarios above are illustrative examples only. They do not represent actual clients, actual claims, or guaranteed coverage outcomes. Coverage for any specific situation depends on the policy terms, conditions, exclusions, and the facts of the claim.
After coverage starts
Once coverage is in place, BLIS can help with certificates and policy changes. A certificate only summarizes policy information; the policy and insurer-issued endorsements determine the actual coverage.
FAQ
Commercial auto can cover liability for injuries or damage caused by the vehicle, plus physical damage to an insured truck when selected. Motor truck cargo covers the freight being transported. If a crash damages both, separate policies and limits may apply to the truck and the load.
The minimum depends on your operation and whether you cross state lines. FMCSA rules generally require at least $750,000 for many for-hire interstate freight carriers, with higher limits for certain hazardous materials. State rules govern intrastate work and vary. Shipper contracts may require more, so confirm the limit for your cargo, routes, states, and agreements.
A driver’s record can indicate the likelihood and potential severity of future accidents. Insurers commonly review violations, accidents, license class, and relevant experience, and some have firm requirements. One driver can affect the options and cost for the whole fleet, which makes screening and ongoing driver management important business practices.
Usually, yes. Commercial auto addresses injury or damage connected to driving. General liability covers certain premises, loading, unloading, and other off-vehicle claims. Shipper contracts, commercial leases, and platform agreements often require both because each policy protects against different situations.
A for-hire carrier operating across state lines may need a USDOT number and often motor-carrier authority. Insurers use the current numbers and authority status to verify the operation and arrange required filings. Sharing that information early can help prevent avoidable delays, especially when authority is new or pending.
From the insights library
Compare workers' compensation requirements, job classifications, payroll, audits, owner treatment, and claims history across BLIS's five licensed states.
Prepare the business description, claims reports, payroll, vehicles, property details, and contract requirements insurers need to consider a quote.
Turn a contract's insurance section into a practical checklist for limits, certificates, additional insured status, payment order, and recovery rights.
Tell us how your business works and what you want help with. We'll review what you share and let you know what else may be needed.
Coverage availability, pricing, terms, conditions, limits, and eligibility depend on the insurer, state, details of the business, claims history, and policy terms. Nothing on this site guarantees coverage, pricing, approval, or savings.
Illustrative claim scenarios are examples only and do not represent specific claims, predicted outcomes, or coverage guarantees. Whether a specific claim is covered depends on the policy terms, conditions, exclusions, and the facts of the specific situation.
FMCSA minimum liability figures cited are general reference points — confirm applicable requirements with a licensed insurance professional for your specific operation.
Blue Lagoon Insurance Services, LLC is an independent insurance agency and is not affiliated with Amazon, FedEx, UPS, or any other parcel delivery platform.
