Industries
Insurance for Transportation and Delivery Businesses
Transportation insurance is its own world: filings, cargo requirements, broker packets, and pricing that swings on radius, commodity, and driving records. Getting it wrong means loads you cannot book or claims that do not pay.
BrokerPro works with owner-operators, hot shot haulers, couriers, and last-mile delivery businesses across Arizona, from first authority to growing fleets.
Common risks
The transportation risk picture:
- Auto liability, the dominant exposure and premium driver
- Cargo damage and theft
- Physical damage to trucks and trailers
- Driver injuries
- Contract and broker requirements that vary load to load
- Compliance: filings, authority status, and safety scores feeding back into pricing
Recommended coverage
A transportation program typically includes:
Auto liability
$750k to $1M with FMCSA filings for for-hire operations
Motor truck cargo
required by brokers and shippers, commonly $100k
Physical damage
for owned and financed equipment
Non-trucking liability
for leased-on owner-operators driving off dispatch
Workers compensation or occupational accident
for drivers
What landlords, clients, and contracts commonly require
- FMCSA requires liability filings for interstate authority
- Broker setup packets require cargo and liability certificates
- Delivery platform contracts set their own coverage minimums
Common questions
I just got my MC number. When should I start the insurance process?
Immediately. Your authority cannot activate until filings are in place, and new-venture trucking quotes take longer than typical business insurance. Starting early also gives you more market options.
Why is new-authority trucking insurance so expensive?
Carriers price the lack of operating history. Most new authorities see high first-year premiums that improve meaningfully after one or two clean years. We focus on getting a workable first year and repositioning at renewal.
I deliver with my own car for apps. Do I need commercial coverage?
Personal auto policies generally exclude delivery work, and app-provided coverage has gaps between trips. Depending on volume, the answer ranges from a delivery endorsement to a commercial policy. Tell us how you work and we will lay out the options.
Insurance built around how transportation and delivery actually work
Send us the basics. We'll ask the right questions and come back with options.