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Our Available Trucking Coverages

We offer superior service to our partner brokers and agents while providing a quality insurance solution to those preferred customers who qualify for our product guidelines.

Our available coverages include:

  • Commercial Auto
  • General Liability
  • Motor Truck Cargo (on a primary basis)

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Coverage Territory

Berkley Small Business Small Trucking Product State Availability Status

Underwriting Eligibility

  • DOT# (MC# for interstate risks only)
  • SINGLE state garaging only
  • 1–14 power units; up to 40 trailers
  • 3 years in business (active filing 3 years +)
  • No HOS or No Unsafe Driver Alerts
  • Fewer than two (2) CAB alerts in any other violation categories combined

Auto Liability

  • Limits up to $1,000,000 combined single limit
  • Optional Broadened Pollution Coverage (CA9948) available
  • Hired Auto and Non-Owned Auto Liability Coverages available

Auto Physical Damage

  • $1,000 minimum deductible
  • Available for non-owned trailers
  • Trailer Interchange coverage available

General Liability

  • Employee Benefits Liability available

Motor Truck Cargo

  • Limits up to $250,000 available
  • Coverage for refrigerated / temperature controlled freight available

  • U.S. driver’s license
  • Minimum age of 23
  • 3 years verifiable driving record
  • 2 years CDL experience (or 2 years driving similar equipment — such as a military vehicle)
  • Maximum of 3 minor violations or 1 major and 2 minors within 36 months

FLATBED
Aircraft Parts, Building Materials, Glass, Steel, Scrap Metal, Copper, Lumber, Pipe

DRY VAN
Auto Parts, Electrical Supplies, Paint, Paper, Furniture, Grocery, Supermarket

REEFER
Fruit/Produce, Meat/Poultry, Frozen Foods, Dairy/Milk/Cheese

HOPPER BOTTOM
Grain Only

TANKERS
Non-Fuel and Non-Waste Liquid Bulk Material (including potable & non-potable water, juice, milk and compressed oil)

STRAIGHT TRUCKS
General Commodities/Food (no moving/storage, no residential deliveries)

(Please Note — Not limited to the listed commodities above, unless otherwise stated)

DUMP TRUCKS
Dirt, sand, gravel, mulch for hire carriers only

  • Hotshots
  • Hazmat haulers — requiring $5M in limits
  • MC currently in bankruptcy
  • Any Canada or Mexico exposure
  • Primary garaging outside the US
  • Drive-away operations
  • Couriers
  • Tow Trucks/Wreckers/Auto Haulers
  • Last-mile residential delivery services
  • Explosive haulers
  • Crane/Boom Trucks
  • Passenger Transportation
  • Household goods movers
  • Mileage greater than 125,000 miles per truck/per year
  • Vehicles greater than 25 years old (consideration for risks with older vehicle[s] subject to underwriting approval with completed vehicle inspection form)
  • Car/Truck Rental/Leasing operations
  • Fuel or Propane Haulers