Insurance Consulting
Better coverage, lower premiums — we connect your safety record to your insurance costs.
Trucking insurance is complicated and directly tied to your safety record. We help you optimize both.
Coverage Review & Gap Analysis
We review your current insurance policies in detail to find gaps and overcharges.
- ✓Primary auto liability (FMCSA minimums: $750K–$5M depending on cargo)
- ✓General liability coverage adequacy
- ✓Cargo insurance — limits, exclusions, and carrier requirements
- ✓Physical damage — actual cash value vs. agreed value
- ✓Non-trucking liability (bobtail) for owner-operators
- ✓Occupational accident coverage for independent contractors
- ✓Umbrella / excess liability assessment
- ✓Workers' compensation compliance by state
Cost Reduction Strategy
We work to reduce your insurance costs through data-driven strategy.
- ✓Analyzing your loss runs (claims history) and identifying patterns
- ✓Connecting your CSA score improvements to underwriting conversations
- ✓Reviewing your fleet driver list for risk factors affecting premiums
- ✓Identifying equipment coverage that can be adjusted
- ✓Advising on safety investments that insurers reward with lower rates
- ✓Timing renewals and shopping markets strategically
Carrier & Broker Connections
We help you work with the right insurance partners for your operation type.
- ✓Connecting you with specialized trucking insurance brokers
- ✓Reviewing quotes from multiple carriers for comparison
- ✓Evaluating insurer financial stability and claims reputation
- ✓Negotiating policy terms and conditions on your behalf
- ✓Reviewing exclusions and endorsements for hidden gaps
- ✓Multi-year program planning for premium stability
Claims Support
When accidents happen, proper documentation and process matter. We guide you through.
- ✓Accident documentation checklist and procedures
- ✓Post-accident drug testing requirements
- ✓Coordinating with insurance adjusters
- ✓Reviewing settlement offers and advising on adequacy
- ✓Subrogation claim identification and recovery
- ✓Claims history management for renewal positioning
Safety-to-Insurance Optimization
Your safety record IS your insurance profile. We connect the two strategically.
- ✓Providing safety reports formatted for underwriter review
- ✓Documenting safety program improvements for renewal negotiations
- ✓Building a compliance narrative that demonstrates risk reduction
- ✓Coordinating safety upgrades (cameras, training) with insurance positioning
- ✓Monitoring the direct impact of CSA improvements on premiums
- ✓Annual insurance strategy review aligned with safety performance
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Your Trucking Business?
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