Commercial Trucking Insurance

Fueling peace of mind, mile by mile.

Island Fleet is a trucking insurance home built for the road — top markets, real support, and a team that moves as fast as you do. For fleets, owner-operators, and the agents who serve them.

Get a Trucking Quote → Partner as an Agent
9
States Licensed
2
Agent Programs
12+
Years in Trucking
● Licensed & Bonded Where we write AlabamaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming CAFLINMNNJNCNDPATX
Licensed Coming soon
9
States and growing — TX, CA, FL, NJ, PA, NC, IN, MN & ND. 🚛
I need coverage

For Truckers & Fleets

Look up your DOT, get a quote, pull certificates, file claims — all in one place.

Explore client tools → I'm a freight broker

Coverage for Freight Brokers

Contingent cargo, contingent auto, general liability, and the BMC-84 bond — all under one roof.

See broker coverage → I'm an agent / agency

Build With Island Fleet

Two programs, real market access, and a professional home. Recruiting for Q4.

See agent programs →
Backed by carriers that move freight
Smart Quote Start

Start with your DOT number

Enter your USDOT or MC number and we'll pull your carrier profile straight from FMCSA — so your quote starts pre-filled. No forms to dig through. Takes 5 seconds.

SUNROAD CARRIERS LLC
Dallas, TX · USDOT #1523020
● Active — Authorized
14
Power Units
16
Drivers
Interstate
Operation
General Freight
Cargo
This is us — Start my quote →
Live data · FMCSA motor carrier census (data.transportation.gov)
Coming Soon · Real-Time Quotes

Instant Trucking Quotes

We're plugging in direct carrier APIs so you'll soon get real, bindable trucking quotes right here on our site — in minutes, no back-and-forth.

Coming Soon

Cover Whale

Instant quoting for:

Auto Liability Physical Damage Motor Truck Cargo General Liability
Coming Soon

Corgi Insurance

Instant quoting for:

Auto Liability

Want to be first in line when these go live? Start a quote now and we'll have you ready to bind the moment they launch.

Free · Powered by AI

Not sure what coverage you need?

Tell us about your operation and our AI will map out the coverages that fit — in plain English. Perfect if you're just starting out or not sure what you're missing.

What best describes you? (tap any that apply)
New authority Owner-operator Leased to a carrier Own authority Small fleet Freight broker Long-haul Local / short-haul Reefer Hotshot
Tell us a bit more (optional but helps)
We'll send your recommendation and reach out if you'd like a quote. We speak English & Spanish.
Building your coverage recommendation…
Free · Powered by AI

Free Policy Review

Upload your current trucking policy and get an instant, plain-English breakdown — what you have, what looks good, and what's worth a closer look. No cost, no obligation.

We'll email your review and reach out if you'd like us to go over it together. Your policy is analyzed securely and never shared.
📄
Tap to upload your policy (PDF)
Your declarations page or full policy — up to ~25MB
Analyzing a policy takes about 20–30 seconds.
Reading your policy…
Our AI is going through your coverages line by line.
◆ Instant & Self-Service

Quote & buy
online now

Auxiliary coverages, bonds, and business lines you can quote and buy on your own — no waiting.

Auxiliary coverages

Specialty

3-Day Policy

$365 flat · up to 72 hours

Just bought a truck or need to relocate one? Short-term liability & physical damage so you can move it legally without committing to an annual policy. Fast turnaround.

Get yours →
Add-On

Roadside Assistance

$400 per year · per truck

Towing, flat tires, fuel & fluid delivery, lockouts, extrication & winching — protection that gets your rig rolling again when the road has other plans. Financing available.

Get yours →
Add-On

Occupational Accident

Get a Quote per driver

Medical bills, disability & death benefits for 1099 owner-operators who aren't covered by workers' comp. Protection for the driver — not just the truck.

Get yours →
Add-On

Non-Trucking Liability

Get a Quote per unit

Bobtail & off-dispatch liability for leased-on owner-operators — driving with no trailer or on personal time. Most lease agreements require it.

Get yours →
Self-Service · Instant

Bonds — buy online in minutes

Freight Broker Bonds (BMC-84), Texas Over Axle / Overweight Bonds, and every other bond your operation needs. Quote it, pay it, and get your bond issued — 100% online, no phone call required.

Buy Your Bond Online →
Self-Service · Instant Quotes

General Liability, Workers' Comp & Occ-Acc — quote & buy online

General liability, workers' comp for truckers, and occupational accident — quote and buy on your own, any hour of the day. Complete a quick application, get a bindable quote, sign and pay in minutes.

Start My Instant Quote →
◆ Mile Marker 01 — Coverage

What we
insure

Specialized trucking coverage built around how your operation actually runs — not a one-size-fits-all policy.

01

Long-Haul

Interstate and OTR operations running long lanes across the country. Primary liability with federal filings, motor truck cargo, and physical damage — built for high-mileage exposure, with the certificates your brokers demand issued fast.

02

Short-Haul

Regional and intrastate runs — local distribution, construction, agriculture. Radius-rated pricing means you don't pay long-haul premiums for 100-mile lanes, and we handle the state filings.

03

Owner-Operators

One rig, your name on the door. Leased to a carrier? Bobtail/NTL and physical damage. Running your own authority? The full package sized for a one-truck operation — plus Occ-Acc to protect the driver, not just the truck.

04

Freight Brokers

You move freight without touching it — but the risk still touches you. Contingent cargo, contingent auto liability, general liability, and the BMC-84 surety bond, all under one roof.

05

Passenger Transport

Shuttles, vans, limos and buses moving people, not freight. Auto liability, physical damage and the passenger-specific coverages your operating authority and contracts require.

06

NEMT

Non-emergency medical transport — a hard-to-place niche we specialize in. Coverage built for the vehicles, drivers and passengers that keep your NEMT operation compliant and rolling.

07

Pilot / Escort Cars

Flag vehicles guiding oversize and overweight loads. Specialized auto liability and the certificates state permits and carriers demand for escort operations.

08

Box Trucks & Hotshots

Box trucks, hotshots and vocational fleets. Right-sized liability, cargo and physical damage for lighter equipment and expedited runs — without long-haul pricing.

Main coverages we write

Auto LiabilityThe federal core — bodily injury & property damage, with your BMC-91 filings included. Physical DamageCollision, fire, theft & weather for your tractors and trailers. ACV-based, lender-ready. Motor Truck CargoThe freight you haul, covered to the limit your contracts demand. General LiabilityDocks, deliveries, premises — the exposure that lives off the road. Workers' CompStatutory protection for employee drivers and office staff. Umbrella / ExcessExtra millions above your primary when shippers and contracts ask for more. Agent E&OErrors & omissions coverage for the insurance professionals in our programs. Occupational AccidentMedical, disability & death benefits for 1099 owner-operators not covered by workers' comp. Freight Broker BondsThe BMC-84 surety bond required to run as a licensed freight broker — handled start to finish.
◆ Mile Marker 02 — Client Hub

Everything you need,
self-serve

Fast forms that drop straight into our service pipeline, so your request moves the moment you hit send.

Get a Quote

Trucking insurance quote request

Certificate of Insurance

Request a COI in minutes

Endorsement Request

Add or change coverage

Service Request

Talk to your service team

File a Claim

Start a claim, fast

Client Portal

NowCerts insured login
↳ Every request drops straight into our service pipeline the moment you hit send — no waiting, no lost emails.
📚 Free Guides — Learn The Road
Trucking Insurance 101FREE PDF New Authority ChecklistFREE PDF Understanding Your COIFREE PDF Permits & Filings Cheat SheetFREE PDF
◆ Mile Marker 03 — Beyond Insurance

Your one-stop
trucking shop

Insurance is just the start. We handle the paperwork that keeps your operation legal, compliant, and rolling — in all 50 states.

🏢

LLC Formation

Start your trucking company right, from day one.

🔢

EIN Registration

Your federal tax ID, handled fast.

🚛

DOT & MC Authority

Operating authority filings, done correctly.

📋

BOC-3 Filing

Process agent designation in every state.

🪪

IRP Plates

Apportioned registration for interstate runs.

⛽

IFTA

Fuel tax setup and quarterly compliance.

🧾

Form 2290 (HVUT)

Heavy vehicle use tax filings on time.

🗂️

UCR & State Permits

UCR, state permits & MCS-150 updates.

New authority or missing a permit?
Tell us what you're setting up and we'll handle the filings — insurance and paperwork under one roof.
Request Permits & Registrations →
◆ Mile Marker 04 — Producer Programs

Two paths.
One clear choice.

One simple question: do you want to build your book with our full support behind you — or keep running your own show with our markets in your corner?

Active P&C license1099 independentNo quotas — ever
Build With UsPath 01

Core Producer Program

For licensed producers — newly licensed or experienced — who want to build a book without doing it alone.

  • Deep commercial & trucking market access
  • Complete training program + welcome kit
  • All the tools, systems & structure to run your book
  • We service your policies after the sale
  • E&O included — no cost to you
  • A commission split that grows with your book
Learn More →
Go IndependentPath 02

Reef Elite Alliance

For established agents & agencies who run their own business and just need trucking market access.

  • Trucking markets most agencies can't reach
  • Full control of your business & your clients
  • Your book is 100% yours — portable
  • A dedicated desk for your hard-to-place risks
  • Top-tier commission with a volume escalator
Learn More →
Top Markets

Serve your clients with confidence through carriers and MGAs that actually write trucking.

Real Community

Agents help agents. You're never on your own out here.

Room to Grow

Training, mentorship, and resources built to move your career forward.

A Pro Home

Built on ethics, transparency, and teamwork — not just a signature on a contract.

Agent Portal
Already on the team? Log in to see your commissions, materials, submission status, and application progress.
Log In →

Make a payment

Down payments & agency fees — pay us directly. Monthly installments — pay your finance company or carrier below.

💳 Pay Island Fleet Directly →
islandfleetins.net/quote

Get a Trucking Quote

Auto Liability Physical Damage Motor Truck Cargo General Liability Workers' Comp Umbrella 3-Day Policy Roadside
Start My Quote →
Free · No obligation · A real person who speaks trucking (and Spanish) follows up.
◆ Mile Marker 05 — Say Hello

Let's talk
trucking.

Quote, question, or thinking about joining as a producer — drop us a line and a real person gets back to you fast.

📞Call us
214-550-1423 💬WhatsApp
Message us anytime ✉️Email
service@islandfleetins.com ⭐Love working with us?
Leave us a Google review

Form not loading? Open it here · COIs, endorsements & claims have fast-track forms in the Client Hub.

Answers

Trucking Insurance, Answered

A new trucking company typically needs commercial auto liability (usually $1,000,000, with FMCSA filings like the BMC-91), motor truck cargo (commonly $100,000), and physical damage on financed equipment. Depending on your operation and contracts you may also need general liability, trailer interchange, or non-trucking liability. We build the right package for new authorities and file everything with FMCSA.

Yes. New authorities can absolutely get insured — we specialize in new-venture trucking. New authorities pay higher rates at first, but rates typically improve at your first and second renewal as you build history. Start with your USDOT number on our site and we handle the FMCSA filings.

An owner-operator leased to a carrier is usually covered by the carrier's liability while under dispatch, but needs bobtail/non-trucking liability for driving off dispatch, physical damage for their truck, and often occupational accident coverage since 1099 drivers usually aren't covered by workers' comp.

Bobtail liability covers you when driving your truck without a trailer attached. Non-trucking liability (NTL) covers you when driving off dispatch, on personal time, whether or not a trailer is attached. Both fill the gap left by a motor carrier's liability policy for leased owner-operators.

Freight brokers don't touch the freight, but still carry risk. Brokers typically carry contingent cargo, contingent auto liability, general liability, and the BMC-84 surety bond required to operate. We package all of this for freight brokers.

We're licensed in Texas, California, Florida, New Jersey, Pennsylvania, North Carolina, Indiana, Minnesota and North Dakota, and we also serve Puerto Rico — with more states on the way.

Yes. We provide fully bilingual service in English and Spanish — quotes, service, and claims support in both languages.

Yes. We're a one-stop shop: LLC formation, EIN, DOT and MC authority, BOC-3, IRP plates, IFTA, UCR, Form 2290 (HVUT) and state permits — available in all 50 states.

💬 Chat with me!
Fleet Assistant
● Online — ask us anything
Hey! 👋 I'm the Island Fleet assistant. I can help with trucking coverage, certificates, claims — or if you're an agent, our programs. What do you need?