Search data from ProgramBusiness.com indicates an increased interest in programs tailored for trucking fleets, owner-operators, and cargo carriers. The confluence of rising premiums, claims severity, regulatory pressure, and technology adoption is driving brokers and managing general agents (MGAs) to explore specialized trucking insurance solutions.
Related article: Top Trending Insurance Markets of November 2025, Part 1: Public Entity Insurance
What Is Trucking Insurance? An Overview
Trucking insurance generally refers to commercial auto and related coverages tailored for businesses operating trucks, trailers, and for-hire fleets. Typical policy components include:
- Liability (bodily injury and property damage)
- Physical damage to trucks and trailers
- Motor truck cargo (for the goods being hauled)
- Non-trucking liability (bobtail)
- Specialized endorsements, such as trailer interchange, hired and non-owned, motor carrier legal liability, and logistical liability for last-mile operations
Trucking exposures are regulated — for example, by the Federal Motor Carrier Safety Administration (FMCSA) — and are subject to driver shortages, driver turnover, and the evolving use of safety technology. Therefore, these programs require underwriting, claims service, and risk-control expertise beyond standard commercial auto.
Trucking risks are too specialized for many standard commercial auto markets, so fleets often get better results through dedicated program insurers. These programs focus solely on trucking, providing them with the data, underwriting expertise, and tools necessary to evaluate fleets more accurately. That’s why program-based distribution works especially well for this class.
Market Trends Expected To Drive Demand for Trucking Insurance in 2026
Several converging factors are expected to drive strong demand for well-structured trucking insurance programs heading into 2026. Together, these trends explain why the trucking insurance market is trending strongly on the ProgramBusiness platform and why brokers are actively searching for program solutions.
Rising Premiums
Trucking insurance premiums have reached all-time highs, with several factors contributing to the rising costs.
According to the American Transportation Research Institute’s 2024 Operational Costs of Trucking report, the cost of running a truck reached $2.27 per mile in 2023, with insurance premiums emerging as one of the fastest-rising expenses. While most cost categories increased moderately, truck insurance premiums jumped 12.5%, outpacing growth in driver wages, equipment payments, and repair costs.
The report also highlights operational challenges — such as rising deadhead miles, higher driver turnover, and a soft freight market — that pushed operating margins down to 6% or lower for nearly all fleet segments. These continued pressures underscore why cost management and targeted insurance solutions remain top priorities for carriers.
Litigation and Nuclear Verdicts
Large jury awards (verdicts exceeding $10 million) have grown more frequent in the trucking sector, driving up insurers’ loss costs and prompting carriers to raise terms. Meanwhile, insurers are tightening their underwriting criteria, demanding stronger driver records, safety programs, telematics, and documentation. Even fleets without major losses feel rate pressure.
Driver Turnover
The trucking industry continues to deal with persistent driver turnover, especially among large truckload carriers. This churn forces fleets to bring in a steady stream of newer or less-experienced drivers, which can weaken safety performance and lead to more variability in loss histories.
For insurers, that inconsistency matters. Fleets with high turnover often show gaps in training, uneven safety scores, and limited long-term driver data, all of which can elevate risk profiles. As a result, turnover continues to influence underwriting decisions and remains a core factor behind rising insurance costs going into 2026.
Technology & Data
Telematics, dash cams, and real-time safety analytics are now part of the equation when insurers evaluate trucking risk. Tools powered by artificial intelligence (AI) — including smart dash cams and predictive analytics — help fleets monitor driving behavior, reduce accidents, and present stronger safety data to underwriters.
But this same technology introduces new questions. As fleets adopt more connected and AI-driven systems, cyber vulnerabilities grow, and liability becomes less clear. A collision involving automated driving features, for example, could shift scrutiny from the driver to the algorithm behind the decision.
Heading into 2026, insurers are weighing both sides: better safety data and risk reduction, alongside emerging concerns about data security, privacy, and AI-related liability.
What To Look For in Trucking Insurance Programs
When selecting a trucking insurance program, brokers and agents should prioritize:
- Underwriting teams with transportation-specific expertise and comfort with FMCSA-regulated operations
- Coverage breadth, including liability, physical damage, cargo, hired and non-owned, bobtail/non-trucking, and trailer interchange
- Willingness to underwrite higher-risk or challenged fleets (e.g., less-experienced drivers, sub-par safety scores), especially when supported by data and monitoring
- Integration of telematics, forward-facing cameras, and electronic logging device (ELD) data
- Strong risk-control service and driver-safety support, enabling fleets to improve metrics and control costs
- Efficient digital submission/quote workflows (ACORDs, loss runs, risk scoring) to streamline program access
- Flexibility for owner-operators, small fleets, and large national operations, as well as the ability to place cargo-only and logistics exposures
Programs aligned with these attributes will be well-positioned in a hardening market and evolving risk environment.
Top Trucking Insurance Programs To Consider
Below are six trucking and transportation programs featured on ProgramBusiness.com, listed alphabetically.
Amwins Underwriting — Transportation
Amwins Underwriting offers one of the broadest transportation portfolios on ProgramBusiness, backed by underwriters who specialize in fast-moving, complex trucking and commercial auto risks. The program spans a wide range of segments — from business auto and local-to-long-haul trucking to niche classes like dump trucks, intermodal transportation, environmental transport, cannabis cargo, and towing.
The breadth of solutions includes cargo and physical damage options, freight broker liability, paratransit, small/mid-fleet trucking, public auto, marine cargo, workers’ compensation for trucking, and several specialty offerings tailored to manufacturers and service providers in the trucking ecosystem. Many programs also incorporate risk- and claims-management support to help keep insureds “on the road and their businesses running smoothly.”
Program listing: Amwins Underwriting — Transportation
IGP Specialty — Transportation
IGP Specialty’s transportation division, Strategic Insurance Underwriters (SIU), offers competitive insurance solutions for for-hire trucking firms across a broad footprint, with programs available in more than a dozen states. SIU’s underwriters emphasize their understanding of current market pressures — including tighter underwriting, rising insurance costs, more roadway accidents from congestion and distracted driving, and challenges tied to the limited pool of experienced drivers.
The program includes primary liability across all radius classifications, physical damage for fleet and non-fleet operations, cargo liability with limits up to $250,000, non-trucking liability for permanently leased owner-operators, and occupational accident coverage for motor carriers with independent contractors. Deductible options, trailer interchange, MCS-90, UM/UIM, MedPay/PIP, master policy structures (where eligible), and reefer breakdown coverage are available depending on the state.
Program listing: IGP Specialty — Transportation
Novacore — True Transport Insure (Owner-Operator Insurance for the Trucking Industry)
True Transport Insure (TTI) from Novacore provides specialty transportation solutions built around owner-operators and independent contractors. The program includes physical damage, non-trucking liability, occupational accident with contract liability, workers’ compensation, major medical options, and captive structures.
TTI notes that it does not offer primary auto liability for truckers. Additional offerings include occupational accident for a range of independent contractor classes, as well as a Moving & Storage Package that combines auto, crime, inland marine, general liability, and property with umbrella options.
TTI also provides coverage for freight brokers and forwarders — including contingent auto, contingent cargo, professional liability, general liability, and excess contingent auto — along with motor truck cargo for fleets of all sizes in all 50 states. With more than 20 years in the owner-operator space, the team emphasizes value-added consulting, broad market access, and proprietary technology designed to streamline agent workflows.
Program listing: Novacore — True Transport Insure
Maritime Program Group — Motor Truck Cargo Insurance From One80 Intermediaries
Maritime Program Group offers an exclusive Motor Truck Cargo program from One80 Intermediaries. Backed by in-house underwriting and A-rated carriers, the program is designed to support trucking risks, ranging from small owner-operators to large fleets. With more than 20 years of MTC underwriting experience, the program provides solutions for long- and short-haul operations, a wide range of commodities, refrigeration breakdown, contingent cargo, furniture movers, freight forwarders, car and boat haulers, riggers liability, new ventures, trip-transit, and warehouse legal liability.
Program features include non-scheduled policies, terminal coverage, no radius limitations, and loading/unloading coverage. MPG emphasizes direct access to experienced underwriters, nationwide availability, proactive service, and industry-specific loss-prevention tools. Policies and endorsements are issued directly by MPG, with competitive commission structures and A-rated carrier partnerships.
Program listing: Maritime Program Group — Motor Truck Cargo Insurance From One80 Intermediaries
RPS Signature Programs — Fleet Trucking
Launched in 2024, the RPS Fleet Trucking program is an exclusive solution built for long-haul fleets with 15 or more power units. The program offers auto liability, auto physical damage, motor truck cargo, and truckers’ general liability across 20 states. Designed for harder-to-place risks, it targets fleets with challenging loss histories or safety scores that are prepared to engage in RPS’s risk-control and data-sharing services.
A defining feature of the program is its requirement that all power units use forward-facing cameras and share ELD data. These inputs support the underwriting process and help maintain loss ratio and program viability. Appetite includes fleets in business for four or more years, operating 90% or more owned units, with 15 to 150 power units and drivers aged 23 and above with at least two years of CDL experience. Eligible operations include agricultural hauling, dry van, flatbed, refrigerated, auto/boat hauling, and oversize/overweight hauling.
Program listing: RPS Signature Programs — Fleet Trucking
RPS Signature Programs — Transportation eComm
RPS Transportation eComm is designed to simplify placement for smaller trucking accounts, giving agents a streamlined way to quote, bind, and issue coverage in minutes. The program is positioned as a solution for agencies that handle transportation business but want a faster, more accessible workflow for lower-complexity risks.
Through the eComm platform, truckers can access general liability, motor truck cargo, and auto physical damage coverage. The program aims to “flatten the learning curve” for producers who need support with smaller transportation accounts, while still offering the speed, efficiency, and ease of use expected of a dedicated small-business quoting system.
Program listing: RPS Signature Programs — Transportation eComm
Searching for Trucking & Transportation Insurance Programs?
Given the complexity of transportation and trucking insurance markets, brokers and agents will benefit from accessing a marketplace like ProgramBusiness. On ProgramBusiness, you can explore specialized MGAs and carriers that have built transportation-specific underwriting, claims, risk-control, and technology capabilities.
If you manage a program, setting up a storefront via ProgramBusiness helps you get discovered by thousands of agents and brokers actively searching for trucking and transportation solutions. Reach out today to request a demo or set up your storefront.
FAQ About Trucking Insurance Programs
What does trucking insurance cover?
It covers liability for bodily injury and property damage arising from the operation of trucks and trailers, physical damage to trucks and trailers, motor truck cargo coverage for the goods being hauled, non-trucking liability (bobtail), hired and non-owned auto, trailer interchange exposures, and specialized endorsements tailored to logistics operations.
What factors contribute to rising trucking insurance premiums?
The cost reflects elevated exposure: large loss potential via nuclear verdicts, repair and replacement costs on modern trucks, increased frequency of accidents tied to driver turnover or inexperienced drivers, supply-chain inflation, and wide variation in fleet safety performance metrics.
How do trucking companies reduce insurance costs?
By maintaining strong safety performance, adopting advanced safety technologies, sharing fleet performance data with insurers, and building strong underwriting relationships with specialist programs.
What types of trucking businesses need trucking insurance solutions?
For-hire trucking fleets (local, regional, long-haul), owner-operators, logistics carriers, freight brokers with trucking exposures, cargo carriers, fleets with specialized goods (hazardous, high-value), last-mile operations, and fleets that operate across state lines and require regulatory compliance.
How do telematics affect trucking insurance?
Telematics, driver-camera systems, and ELD data are increasingly integrated into underwriting, loss prevention, and premium determination. Programs that mandate or reward data sharing can typically price risks more competitively, while fleets with weak metrics may face higher costs.
About Program Business
ProgramBusiness is a leading insuretech marketplace connecting agents, brokers, MGAs, and carriers. Our platform helps insurance professionals list their programs, receive verified feedback, and be discovered by buyers searching the most active program classes — including today’s highly competitive transportation and trucking insurance markets.
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.