Coverage
Every line, sized to how you actually operate.
No generic bundles. Each policy is structured around your fleet, your radius, and your risk — with an agent who can explain exactly why.
Commercial Auto Liability
Protects your fleet against liability for accidental injury or property damage, with limits structured around your actual routes, radius, and freight — not a generic template.
- Who needs it
- Any owner-operator or fleet operating under its own USDOT number and motor carrier authority, or hauling as a FedEx route contractor, needs this in force before a truck moves. It's the coverage your BMC-91 or BMC-91X filing points to — the proof of financial responsibility FMCSA requires before your authority is active.
- Typical limits
- Federal minimum for most general freight interstate carriers is $750,000 combined bodily injury and property damage liability, rising to $5,000,000 for carriers hauling placarded hazardous materials. Many shipper and broker contracts — and most FedEx ISP agreements — require higher limits than the federal floor, so we structure yours around what your actual contracts demand, not just the legal minimum.
- What it usually excludes
- Your policy's MCS-90 endorsement guarantees payment to an injured third party even if a policy exclusion would otherwise apply — but it's a promise to the public, not to you. If MCS-90 pays a claim your policy excluded, the carrier can seek reimbursement from you directly. Getting the underlying policy right, not leaning on MCS-90 as a backstop, is the difference between a claim that's handled and one that follows you home.
- What it takes to get bound
- We'll need your USDOT and MCS-150 information, driver list with MVRs, radius of operation, equipment list, and loss history. Most owner-operators can bind within a day once that's in hand.
Physical Damage
Collision and comprehensive protection for your equipment, so a wreck or a bad night doesn't become a financial setback on top of a physical one.
- Who needs it
- Anyone financing a truck or trailer will find their lender requires this. Owner-operators who paid cash often still carry it, since a single collision total loss without it can end an operation that a $2,000 annual premium would have protected.
- Typical limits
- Valued at actual cash value (ACV) or a stated/agreed value you set at binding — agreed value avoids depreciation disputes at claim time but costs more, so we'll walk through which makes sense for your equipment's age.
- What it usually excludes
- Wear and tear, mechanical breakdown unrelated to a covered collision, and driving without a valid CDL are standard exclusions. Bobtail exposure — running the tractor without a trailer attached, common between loads — needs to be confirmed as covered under your specific policy rather than assumed.
- What it takes to get bound
- VIN, year/make/model, current value or purchase price, and lienholder information (if financed) are what we need to quote and bind.
Cargo Insurance
Whether you're hauling for FedEx or running your own freight, this protects the value of what's actually in the trailer — not just the truck pulling it.
- Who needs it
- Required by nearly every shipper, broker, and FedEx ISP contract before you're allowed to haul their freight — the certificate of insurance you send over almost always needs to show this limit specifically.
- Typical limits
- Regional and local carriers commonly carry $100,000 per occurrence as a baseline, scaled up for higher-value commodities. FedEx contractors should confirm their limit against the specific figure required in their ISP agreement — it's not always the same as a generic freight contract.
- What it usually excludes
- Standard cargo policies commonly exclude spoilage from mechanical breakdown of a refrigeration unit unless you've added reefer breakdown coverage — a real gap for anyone running temperature-controlled freight. Employee dishonesty, improper loading and securement, and named high-value commodities (electronics, pharmaceuticals, precious metals) often carry sub-limits or need to be scheduled separately.
- What it takes to get bound
- Commodities hauled, typical load value, and whether you run any refrigerated freight are the key details — the reefer breakdown question in particular changes the quote.
General Liability
Covers bodily injury or property damage arising from your operations — essential for owner-operators, and for the HVAC, plumbing, electrical, and roofing contractors we also serve.
- Who needs it
- Owner-operators need it for premises and non-auto operational exposure — a slip-and-fall at a shipper's dock, or product-completed operations after a delivery. Artisan contractors and roofers need it to get on almost any job: property managers and general contractors routinely require a certificate before letting a plumbing, HVAC, electrical, or roofing sub onto a site.
- Typical limits
- $1,000,000 per occurrence with a $2,000,000 aggregate is the standard most contracts and certificates ask for. Some general contractors on larger commercial jobs — and most roofing subcontracts — push for $2,000,000 per occurrence, worth confirming against your specific contracts before you bid.
- What it usually excludes
- This policy doesn't cover injury or damage from operating an auto — that's what commercial auto liability is for — and it doesn't cover the quality of your own work (that's a different, less common coverage). Faulty workmanship claims and employee injuries are also excluded; the latter is what workers' comp is for. Roofing carries its own wrinkle: many standard-market carriers exclude or heavily restrict roofing operations outright, or cap what share of your revenue can come from roofing before they'll write you — which is exactly why roofers often end up placed in the surplus lines market rather than a standard GL policy.
- What it takes to get bound
- Your trade or operation type, annual revenue or payroll, and any specific certificate-of-insurance wording a client requires are what we need to quote. For roofing specifically, we'll also ask about your steep-slope versus low-slope mix and what share of jobs are re-roofs versus new construction — both move where we can place you and at what rate.
Workers' Compensation
On-the-job injuries covered for employees and drivers — with guidance on how to actually handle a claim when one comes in, not just a policy number to call.
- Who needs it
- Florida requires workers' comp for most employers with four or more employees, and for any construction business with even one. If your drivers are true W-2 employees, this is not optional. If they're independent-contractor owner-operators, Florida work comp generally doesn't apply to them at all — which is exactly where occupational accident coverage fills the gap.
- Typical limits
- Statutory — Florida sets the required medical and wage-replacement benefits by law, so there's no limit to shop; the variable is your classification codes and payroll, which drive premium. Roofing carries one of the highest-rated class codes in the book because of fall exposure, which is exactly where shopping the market — rather than accepting the first quote — makes the biggest difference.
- What it usually excludes
- Independent contractors, by design, generally fall outside a workers' comp policy — misclassifying a driver as a contractor when they function as an employee is a common and costly mistake we'll flag during setup, not after a claim exposes it. Occupational accident coverage, sold separately, is built specifically for the contractor drivers this policy doesn't reach.
- What it takes to get bound
- Employee count, job classifications, and prior payroll (last 3 years if available) are what carriers need to quote accurately.
Excess & Umbrella
For fleets and operations where a single bad claim could otherwise threaten everything you've built. Broad protection, sized to your real exposure.
- Who needs it
- Fleets running multiple trucks, and any owner-operator whose FedEx or shipper contract requires combined limits above what a standalone auto or general liability policy provides — many ISP agreements ask for $1,000,000 to $2,000,000 in combined coverage that a primary policy alone won't reach.
- Typical limits
- Sits above your primary auto liability and general liability in increments of $1,000,000, triggered once the underlying policy's limit is exhausted on a covered claim.
- What it usually excludes
- Follows the form of whatever underlying policy it sits above — if commercial auto liability excludes something, the umbrella sitting on top of it typically excludes it too. It's additional height, not additional breadth.
- What it takes to get bound
- Your underlying auto and general liability limits, plus loss history, determine both eligibility and pricing for excess layers.
General information above — actual limits, exclusions, and filing requirements vary by carrier, state, and your specific operation, and regulations can change. Running FedEx routes specifically? See how MCS-90, BMC-91, non-trucking liability, and occupational accident coverage fit together on our FedEx contractor coverage page. Working as an HVAC, plumbing, electrical, or roofing contractor instead? Our contractor coverage page covers certificates of insurance, additional insured endorsements, and Florida’s one-employee workers’ comp rule.
Not sure which lines you need?
Tell us about your fleet or your business and we’ll put together the right combination — nothing more, nothing less.
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