Trucking Insurance · Cancelled, Non-Renewed or Claims
A notice from your carrier ends one relationship, not your company. We take the file — with the story told right — to the markets that write exactly this, usually the same day. Semi trucks, box trucks, fleets of every kind.
A cancellation notice, a non-renewal letter, a claim that scared your carrier off, a CAB score that makes underwriters wince — none of those end a trucking company. They end the relationship with one carrier. We work with 90 insurance companies, and a good number of them exist precisely to write the motor carrier the standard market just walked away from. The job is to put your file in front of those markets properly, the same day, with the story told the way an underwriter needs to hear it.
That last part is the whole difference. A "hard" risk shopped lazily gets declined; the same risk with three years of loss runs, the cancellation notice, the MVRs, the CAB report and two honest paragraphs about what happened and what changed gets written — at a price that improves at the first renewal. We build that submission with you in one phone call.
The most common one, and the most fixable. A replacement policy, often the same day, with the down payment structured so it does not happen again — premium finance or a carrier pay plan, quoted side by side.
Your carrier left the class, left the state, or did not like the year. Start sixty days out and the switch is painless; start the week before and we still make the date on most owner-operators and small fleets.
Underwriters expect claims on a working fleet. What they want is the story — what happened, what changed in hiring, training or equipment, and the trend since. We write that narrative into the submission.
Out-of-service rates, unsafe-driving BASICs, a conditional safety rating. We take those to the markets that rate them on the fix you have made, not only the number.
A driver with a speeding ticket or two, or a prior DUI years back, is a driver-schedule problem, not a company problem. Some markets surcharge, some exclude; we show you both.
A gap in coverage, a reinstated authority, a second attempt after a first company failed. Priced like a new venture with a story — and the story can help.
Five to a hundred units, mid-term, after the notice arrived. We shop the whole schedule at once, keep the filings continuous, and keep your certificates issuing so no shipper pulls a load while the market changes.
Hazmat, high-theft cargo, long haul, oversize. Specialty carriers write these every day; the price reflects the risk, the certificate still comes out the same day.
Cargo vans and hotshot auto haulers after a cancellation are the thinnest market there is right now. We will quote them, and we will tell you before you spend an afternoon on paperwork if the answer is going to be expensive.
Honestly: a higher down payment than a clean renewal, sometimes a higher deductible, and a price that reflects the year you had — then a real drop at the first renewal if the loss runs stay clean, because the market we place you with today is a bridge, not a home. We say that on day one and we remarket you sixty days before every renewal, so the bridge gets shorter. Owner-operators and small fleets with the notice in hand quote the same day the file is complete; a distressed fleet of twenty units takes two to five days because several underwriters read it.
Same markets, same filings, same 24/7 certificate portal as everyone else we insure — in every California county, Arizona and the 30 states we are licensed in. Semi trucks and tractor-trailers, box trucks, reefers, dump, tow, fleets of every kind, and Uber Black and passenger transport.
Yes, and usually the same day the file is complete. Non-payment is the most common cancellation and the easiest to replace; the markets want the notice, the loss runs and the MVRs, and the new policy is structured — premium finance or a carrier pay plan — so the down payment and the installments fit the operation this time.
Owner-operators and small fleets quote the same day when the loss runs, unit list and driver list are in hand; a fleet of twenty or more takes two to five days because several underwriters read the file. The federal filings and the certificates are handled so there is no gap on the expiration date.
No. Underwriters expect claims on a working fleet; what decides the outcome is the story — what happened, what changed afterwards, and the trend since. A claim with a clear fix behind it is written every day. A pattern with no change is what gets declined.
A lapse resets you toward new-venture pricing with the markets that read FMCSA history, and it can suspend your authority if the BMC-91 drops. Replace before the cancellation date whenever possible; if it already lapsed, we file the new BMC-91 / MCS-90 the day we bind and get the authority reinstated.
Yes, with the markets that rate the corrective action rather than only the number — the drivers you removed, the cameras and ELD data, the training you added. The CAB report and the plan go into the submission together.
Yes, the same day, and we will tell you why and what would change it — a driver off the schedule, a radius change, a different commodity, time. We do not take a down payment on a risk we cannot place.
What Truckers Say
Real reviews from real DOT numbers — read them all on Google.
“Excellent customer service. Always available. This is an agency you can count on.”
“I'm a new owner op. He has helped me tons with shopping around finding something to fit the budget. Answers all my questions and very honest. He put up with me calling non stop when I first started. That is someone with patience and not after a quick dollar. Tbh if it wasn't for him I don't know if I would have even made it out on the road.”
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