Industries
Client insurance requirements for trucking companies
Shippers, brokers and plants check a trucking company's insurance before they tender a load or let a truck through the gate. The requirements are in the hauling agreement, the broker's setup packet or the facility's vendor documents.
Upload them to see every insurance requirement and the page it came from.
Trucking is reviewed by an underwriter
Trucking is not one of the trades our application lists. An underwriter reviews it before any insurance carrier quotes. We tell you up front whether our carriers can quote that kind of work and how long it takes. If they cannot, we say so.
The checker needs no account. Upload a document, answer four short questions, and get a requirements checklist as a PDF, what is missing, and price ranges. The price ranges are estimates, not quotes.
We keep you compliant with every client that requires insurance.
We do it by reading each client's documents, comparing them with your policies, tracking what is due, reminding you before a review, and sending updated certificates.
Whether a client accepts you as a vendor depends on the coverage you buy and on the client's own review.
What clients usually ask for
Clients commonly ask trucking companies for:
- Auto liability
- With a minimum limit set in the client's documents.
- Motor truck cargo
- For the freight you carry, often with a limit for each load.
- Trailer interchange
- When you pull trailers that belong to someone else.
- General liability
- Many shippers and brokers ask for it in addition to auto liability.
- Workers' compensation
- For employee drivers. Many clients also ask what applies to owner-operators.
- Additional insured and waiver wording
- The shipper, broker or facility named on your policies where the documents ask for it.
- Umbrella or excess liability
- When the client's limit is above what the auto policy carries.
These are common examples, not a list of what your client requires. Your client's own documents decide. Upload them and we list what they actually say.
How it works
Step 1
Upload what your client sent you
The master service agreement, vendor packet, supplier manual or insurance exhibit. Use the checker without an account, or add the client in your account to keep everything in one place.
Step 2
AI lists every requirement, with its page
You get each insurance requirement in the documents and the page it came from, so you can check it yourself. A licensed producer reviews the list.
Step 3
See what you meet and what is missing
Each requirement is compared with your current policies and marked met, not met or unclear. For each gap you see priced options to close it. The prices are estimates, and a licensed producer reviews them.
Step 4
Stay current with each client
What you save for a client sets what that client's certificate of insurance says. Updated certificates go out automatically when your policies renew, and you get a reminder before the client's annual re-approval.
What you get
Every requirement, with its page
A list of each insurance requirement in your client's documents and the page it came from.
Met, not met or unclear
Each requirement compared with the policies you have now.
Priced options for the gaps
What it may cost to close each gap. These are estimates, not quotes, and a licensed producer reviews them.
Certificates that follow the requirements
What you save for a client sets what that client's certificate of insurance says. A certificate only shows wording your policy has. Updated certificates go out automatically at renewal.
A compliance package in one click
Your certificate, endorsements, W-9, safety documents and EMR letter for a client, put together in one step.
Reminders and a checklist
A reminder before each client's annual re-approval, and a document checklist for each vendor platform. You update the platform status yourself. We do not log in to, read from, or submit to vendor platforms.
Common questions
Can you insure my trucking company?
Maybe. Trucking is reviewed by an underwriter, and it depends on what you haul, where you run and your record. We tell you up front whether our carriers can quote that kind of work and how long it takes. We can only offer coverage from carriers we are appointed with in your state.
Can I use the checker before I know whether you can insure me?
Yes. The checker needs no account. It reads the document and gives you a requirements checklist as a PDF.
A broker sent me a setup packet. Is that the same as a master service agreement?
It plays the same part. It sets the insurance you must carry to haul for them. Upload the packet and the agreement, and the list shows each requirement with its page.
Start with one document
Upload what your client sent you. The checker lists every insurance requirement it finds, with the page it came from, and shows what is missing.
AI reads the documents and a licensed producer reviews the results. Everything is marked pending review until then. Costs shown are estimates, not quotes. Coverage advice comes from a licensed producer, not from the AI.