Transportation Insurance
Commercial Truck
Owner Operator Truck
Last Mile Delivery
Moving and Storage
Limousine
Bus
Auto and Truck Dealer
Shared EconomyComprehensive commercial transportation insurance to put you on the road to success
Whether you're an independent equipment owner-operator or contract motor carrier, a long-haul transportation provider, growing in the last-mile delivery segment or conducting moving and storage operations, HUB has you covered.
When it comes to operating a commercial transportation business, road accidents are not your only concern. Driver performance and shortages, safety issues, challenging economic conditions, business disruptions and other hazards associated with the transport of goods bring new challenges and complex risks that need to be thoughtfully managed and expertly insured. That’s why our seasoned brokers specialize in commercial transportation insurance, offering tailored policies and comprehensive risk management solutions that will meet your needs.
We offer commercial transportation insurance that protects your employees and stakeholders as well as your physical assets, making sure you are protecting all parts of your business. Our brokers can provide coverage against income loss due to an interruption in operations and even help drive recruitment and retention with strategies related to benefits like health, wellness and retirement planning.
With our personalized approach and long-standing relationships with North America’s leading insurance carriers, our commercial transportation insurance specialists can help mitigate exposures at the best price. HUB represents virtually all national and regional insurance markets that specialize in the commercial transportation industry and our broad market access means we’re able to negotiate the most favorable terms and conditions for our clients.
With our deep understanding of the unique practices and needs of your industry, we’ll work with you to reduce costs while creating a risk management and commercial transportation insurance solution designed to keep your business on the road to success.
Additional tools and resources to help run your business:
Contact a HUB commercial transportation insurance broker to get started.
Products & Solutions
Protect what matters most with tailored solutions.
Digital Solution
HUB Drive Online
Take the road to high performance. HUB Drive Online integrates your data, risk programs and vendors into one platform — streamlining operations and enhancing the driver experience.
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Digital Solution
HUB Fleet Solutions Marketplace
Access top fleet vendors in one place. HUB Fleet Solution Marketplace helps you boost efficiency, improve safety and reduce costs to optimize your fleet.
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HUB Supply Chain AI Risk Solutions
Stay ahead of disruptions with one complete solution. HUB’s Supply Chain AI Risk Solutions offers proactive protection to help you predict, plan and respond faster.
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Commercial Auto Insurance
Protect your vehicles, drivers and bottom line. Stay ahead of risks with customized commercial auto coverage that keeps your fleet compliant and protected — wherever the road takes you.
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Fleet Risk Management
Optimize fleet performance and reduce collisions. Our Fleet Risk Management services help you improve driver behavior, lower accident rates and enhance operational efficiency through data and training.
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Marine Insurance
Safeguard your cargo and mobile assets. Protect your goods in transit, tools and equipment with flexible marine insurance solutions built for today’s mobile operations and complex logistics.
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Claims Management
Turn claims management into a competitive edge. Our claims consultants help you reduce claim costs, speed up resolutions and improve outcomes so you can focus on running your business.
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Employee Benefits
Develop a benefits strategy that supports your employees and evolves to meet their changing needs. We have the expertise, capabilities and analytic tools you need to engage your people.
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Navigate change with insights you can trust.
Whitepaper
Building the Case for Self-Driving Semis
The interest in adding self-driving, or autonomous vehicles (AVs), to trucking fleets is speeding up. Understand how automation can help reduce accidents, control costs and reshape your risk profile.
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Guide
Put the Brakes on Rising Insurance Costs
The cost to insure commercial fleets continues to rise. Learn how to control premium costs with proactive risk management strategies in a challenging insurance market.
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Whitepaper
Developing a Data-Driven Incentive Program
Incentivize safe, reliable drivers. Explore how performance-based incentive programs can help retain top talent, improve safety and lower costs.
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How to Optimize CSA Scores and Reduce Risk
CSA scores play a critical role in determining your insurance rates, business stability and overall risk exposure. Learn strategies for optimizing your CSA scores and reducing your insurance risk.
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How Technology Can Help Address the Health & Wellness of Independent Contractors
Attracting and retaining independent contractors is critical in a competitive market. Learn how new technology platforms are helping carriers connect ICs with voluntary health and wellness programs.
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Overcoming Cross-Border Challenges to Secure New Business
Transportation company Sage Freight needed a reliable insurance solution to transport goods into Mexico. Explore how HUB helped them navigate cross-border risks to capture new business.
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What Our Clients Are Saying
Learn why transportation companies choose HUB for their insurance coverages
“We value both our business and personal relationship with the HUB team, and so appreciate their work to find the best possible insurance solution for our business.”
—Safety/Recruitment Director, George Hildebrandt Trucking
“HUB’s professional advice and guidance allows us to focus on our core business; they understand our business needs and provide solutions that allow us to sleep at night knowing we have the proper coverages in place.”
—Chief Financial Officer, Genox Transportation
“HUB’s knowledge, advice and honesty are highly regarded by Sindall—we truly value your integrity!”
— Vice President, Administration, Sindall Group
Transportation Insurance FAQs
Transportation insurance covers the general risk of running a transportation business, protecting against financial losses from vehicle accidents. While transportation insurance is common in the trucking industry, all businesses with any type of transportation fleet must have transportation insurance, even when transportation is not the organization’s primary business.
Each industry, including construction, retail, energy, medical, agribusiness and others, has its own coverage requirements, but transportation is heavily regulated by both state and federal regulations.
For any type of commercial fleet, coverage for commercial auto liability and physical damage is generally required. The motor carrier coverage form is used for any for-hire trucking company; the business auto form is for other businesses that may have its own vehicles. The motor carrier form includes endorsements or amendments, such as Trailer Interchange coverage.
For-hire commercial truckers will need a stand-alone Motor Truck Cargo policy. This insures the trucker for any legal liability for damage done to cargo.
The following factors affect the cost of transportation coverage: previous losses (i.e., claims history); U.S. Department of Transportation (DOT) and Occupational Safety and Health Administration (OSHA) compliance; Compliance, Safety, Accountability (CSA) scores; vehicle maintenance and driver training programs; and driver retention, as well as the location of the operation and hauling destinations. Underwriters will also look closely at your driver roster and take driver health and motor vehicle report (MVR) record into consideration.
Yes. When transporting people versus property, organizations need commercial auto liability and physical damage policy. Medical transportation vehicles such as ambulances, paratransit and other emergency and non-emergency vehicles have additional, specific requirements and unique endorsements to meet.