Following our previous installments in this series, we now turn our attention to another popular program category this month: transportation insurance. Search data from ProgramBusiness shows that coverage for trucking, logistics, and delivery operations is currently driving elevated interest among brokers, agents, managing general agents (MGAs), and carriers alike.
In an environment of evolving regulatory burdens, driver shortages, cargo-theft threats, and digital disruption, transportation insurance is increasingly a high‐priority specialization. This article outlines the key drivers of demand and highlights five standout programs listed on ProgramBusiness that deliver differentiated underwriting, service, and market access for transportation risks.
Related articles:
What Is Transportation Insurance? An Overview
Transportation insurance refers to the suite of property, casualty, and specialty coverages designed for businesses whose core activity involves moving goods and/or people. Typical insureds include for‐hire trucking firms, owner-operators, freight brokers, third-party logistics providers (3PLs), parcel/last-mile delivery services, and passenger transit fleets.
Transportation insurance may cover:
- Commercial auto liability and physical damage for trucks, trailers, and cargo haulers
- Motor truck cargo or logistics
- Liability to address loss/damage to freight in transit or storage
- General liability and errors & omissions relevant to logistics intermediaries
- Occupational accident or workers’ compensation for drivers/crew
- Umbrella/excess layers and environmental/pollution liability arising from transit operations
Many modern programs also integrate telematics, dash-cam analytics, digital claims interfaces and fleet‐risk-control services, helping carriers and insureds alike mitigate exposure and control cost drift.
What To Look For in Transportation Insurance Companies
When evaluating transportation insurance providers and programs, brokers and MGAs should focus on the following:
- Specialization in transportation and logistics risks (versus generalist auto)
- Underwriting flexibility to accommodate diverse fleet sizes, ownership models, and specialty operations
- Demonstrated claims expertise in trucking, cargo losses, and transit exposures
- Robust loss-control infrastructure (telematics, driver safety programs, cargo tracking)
- Carrier strength and capacity, especially when handling large fleets or high-exposure accounts
- Digital access for quoting, binding and certificates of insurance
ProgramBusiness enables you to compare transportation insurance companies side by side, review their appetite and features, and connect directly through the marketplace.
Top Transportation Insurance Programs To Consider
Below are five programs listed on ProgramBusiness that specialize in transportation risks. Each offers distinct strengths tailored for brokers, MGAs, and agents seeking to place or build transportation business.
Amwins Underwriting — Transportation
Amwins Underwriting offers one of the industry’s broadest portfolios of transportation-specific insurance solutions, helping brokers keep their clients’ fleets on the road and their operations protected. Its dedicated underwriting teams specialize in short- and long-haul trucking, cargo and physical damage, dump trucks, environmental and intermodal transport, and other commercial auto classes — including public auto, paratransit, and towing operations.
Through access to more than 250 carrier partners, Amwins provides deep market capacity and flexible options for complex or multi-modal risks. From freight brokers to non-emergency medical transport providers, its programs combine strong underwriting expertise with robust risk and claims management resources designed for the fast-moving transportation sector.
Program listing: Amwins Underwriting — Transportation
Falvey Insurance Group — Transportation & Logistics Liability
Falvey Insurance Group’s Transportation and Logistics Liability program delivers comprehensive protection for logistics service providers and transport operators. Built through innovative underwriting, it offers end-to-end coverage for evolving supply-chain risks—ideal for common carriers, freight forwarders, transport intermediaries, and third-party logistics providers.
The program combines legal and contractual liability for cargo loss or damage with protection for failures in contractual performance, plus general liability and contingent auto liability where applicable. Backed by Accelerant Specialty Insurance Company, it includes world-class claims handling, in-house legal expertise, and access to a global network of adjusters and surveyors.
For brokers serving logistics and multimodal transportation accounts, Falvey’s program offers a sophisticated, full-package solution supported by specialized underwriting and responsive service.
Program listing: Falvey Insurance Group — Transportation & Logistics Liability
IGP Specialty — Transportation
IGP Specialty, representing Strategic Insurance Underwriters (SIU), U.S. Risk’s transportation division, provides tailored insurance solutions for a wide range of for-hire trucking firms. Available in Alabama, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin, the program offers competitive coverage through top-rated insurers.
SIU’s underwriters bring deep experience in a tightening market marked by higher insurance costs, driver shortages, and increased accident frequency. Coverage options include primary liability up to $2 million, physical damage, cargo, non-trucking liability, and occupational accident insurance for independent contractors.
With strong carrier relationships and a team that understands the evolving risks facing American truckers, IGP Specialty delivers the underwriting flexibility and service brokers need to secure dependable protection for transportation clients.
Program listing: IGP Specialty — Transportation
Novacore — True Transport Insure
True Transport Insure (TTI) from Novacore is a leading provider of specialty transportation insurance focused on the owner-operator segment. With more than 20 years of experience, TTI helps agents design and manage programs that strengthen their trucking books through best-in-class coverage and proprietary technology.
The program offers physical damage, non-trucking liability (bobtail), occupational accident with contract liability, workers’ compensation, and major medical or mini-med options, along with captive solutions. TTI also provides coverage for freight brokers, forwarders, and moving and storage operations through tailored package programs.
Supported by its TrueAdvantage technology platform, TTI simplifies administration for agents — streamlining applications, renewals, and certificates — while providing the market access and flexibility needed to serve independent contractors and small fleets nationwide.
Program listing: Novacore — True Transport Insure
RPS Signature Programs — Transportation eComm
RPS Signature Programs makes small-to-mid-size trucking placements faster with its Transportation eComm platform, allowing agents to quote, bind, and issue truckers general liability, motor truck cargo, and auto physical damage coverage in minutes.
Designed for agents who want to handle smaller accounts efficiently while focusing on larger fleet opportunities, the program provides a quick, straightforward way to manage transportation risks without sacrificing expertise.
Its defined appetite and digital workflow streamline the placement process for qualified risks, helping brokers stay profitable while meeting the needs of trucking clients seeking responsive coverage solutions.
Program listing: RPS Signature Programs — Transportation eComm
Market Trends Driving Transportation Insurance in 2025
Several factors are driving heightened interest in transportation insurance placements.
- A shortage of high-quality drivers and an aging workforce are creating elevated liability and operational risk exposure.
- Regulatory shifts, including tighter hours-of-service enforcement and rising nuclear verdicts in trucking litigation, are intensifying pressure on carriers and insurers.
- Supply-chain instability and a surge in cargo theft are leading to more claims related to theft and delivery delays, heightening the need for comprehensive cargo coverage.
- Technology advancements — such as telematics, dashcams, and predictive analytics — are transforming how underwriters assess and manage fleet risk. Some companies are still lagging behind in technology adoption.
- The growth of electric and hybrid fleets is introducing new exposures tied to battery fires, charging infrastructure, and residual values.
- Heightened environmental scrutiny is pushing logistics operations to meet stricter emissions standards and address pollution liability concerns.
These trends elevate the importance of placing transportation risks with programs that integrate risk control, specialist underwriting, and digital access.
Searching for Transportation Insurance Solutions?
Transportation remains one of the most actively searched program categories on ProgramBusiness. Brokers and MGAs are actively looking to capture momentum in trucking, logistics, and delivery-fleet placements.
The programs highlighted above reflect diversified strengths, from owner-operator niche markets and national fleet platforms to automated digital quoting and cargo and logistics intermediaries.
Consider listing your program or creating a storefront on ProgramBusiness to increase visibility among decision-makers in the transport-insurance space. In our next articles in this series, we will explore the product-recall and habitational program markets.
FAQ About Transportation Insurance Programs
What does transportation insurance cover?
It typically includes commercial auto liability and physical damage, motor truck cargo or logistics liability, general liability, and other specialized coverages such as occupational accident or umbrella protection.
Who needs transportation insurance?
For-hire trucking firms, owner-operators, freight brokers, logistics intermediaries, last-mile delivery fleets, and passenger transport operations all require tailored transportation programs.
What is the difference between motor truck cargo and auto liability coverage?
Auto liability covers injury or damage arising from the operation of a vehicle. Motor truck cargo covers loss or damage to freight in transit or storage, often factoring in supply-chain exposures, theft, mishandling, and logistics intermediary liability.
How do transportation insurance providers determine pricing?
Underwriters evaluate fleet size and composition, driver experience and safety records, radius of operations, cargo type, use of telematics or safety programs, prior loss history, and geographic exposures. Programs with strong risk-control tools and digital data often yield more favorable terms.
How can brokers find top transportation insurance companies?
Use platforms such as ProgramBusiness.com to search by coverage keyword (transportation, trucking, cargo), compare program profiles, and connect directly to underwriting teams able to quote and bind.
About ProgramBusiness
ProgramBusiness is a leading insuretech marketplace connecting agents, brokers, MGAs and carriers. We enable professionals to list their specialty programs, receive verified feedback, and be discovered by motivated buyers across the industry.
Larry Neilson
With 35 years in the Property/Casualty insurance industry under his belt, Larry has helped insurance agents, carriers, MGAs/MGUs, wholesalers, program administrators, and vendors capitalize on the latest in sales and marketing, data development, Internet marketing, SEO, email marketing, and social media distribution.