Navigating the risks of the transport industry takes a partner who understands fleet dynamics, regulatory demands, and route liabilities. Palomar combines transportation insurance expertise with top-tier carrier partnerships to design customized programs for motor carriers, auto haulers, freight brokerages, and owner-operators.
As an insurance partner to some of the nation’s largest trucking companies, our team stays current on the industry trends, legal shifts, and safety compliance standards that affect your bottom line.
Whether you manage an enterprise fleet or run specialized haulers, tailored commercial auto coverage protects your vehicles, your drivers, and your cargo against catastrophic accidents, equipment loss, and third-party liability.
Customized commercial auto policies for every operation
Off-the-shelf coverage is rarely enough for a complex transport operation. We structure programs around the specific liabilities of your fleet profile.
Primary auto liability. Mandatory state and federal liability coverage, including required FMCSA regulatory filings and MCS-90 endorsements for interstate hauling. Our trucking package page covers how the core coverages fit together.
Physical damage and inland marine. Comprehensive and collision protection for tractors, trailers, and specialized rigs, paired with motor truck cargo coverage for freight in transit.
Specialty vehicle and cargo solutions. Dedicated programs for auto haulers, hazardous materials, tankers, aggregate, and specialized equipment.
Business auto and general liability. Coverage for the non-driving operational risks — terminal property, loading dock exposures, and off-road liability.
Coverage beyond the standard package. Trailer interchange, non-trucking liability, hired and non-owned auto, and the endorsements that close the gaps a standard policy leaves open. See our additional coverages.
If you are leased to a motor carrier rather than running your own authority, the coverage questions are different. Start with our owner-operator programs. If you arrange freight rather than haul it, see brokerage coverage, including contingent cargo and errors and omissions.
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We have created a culture of excellence with staff committed to premier customer service.
Market access built on carrier relationships
Placing trucking business well depends on the strength of your carrier relationships, particularly when the market tightens.
Palomar is an appointed agent of Great West Casualty Company, which has specialized in trucking insurance since 1956 and carries an A.M. Best rating of A+ (Superior). We work with Great West and other transportation specialists to match your operation to the market that will underwrite it best — and to move when a carrier’s appetite shifts, which in this segment it regularly does.
Loss control, DOT safety, and claims support
Our work does not end when the policy is placed. Motor carriers need protection, loss control, and claims service that together lower loss ratios over time.
DOT inspection preparation and safety resources. Compliance training and resources to help drivers avoid violations, protect CSA scores, and stay out of out-of-service orders.
Risk consulting. Our risk consulting team includes Danny McPeters, a veteran transportation safety leader and former Georgia Division Administrator for the Federal Motor Carrier Safety Administration. For a carrier preparing for a DOT audit or working to improve CSA scores, that is guidance from someone who has run audits from the other side of the table.
Claims support. Rapid, in-house claims handling to guide you through post-accident procedures, minimize downtime, and defend your business against inflated or unreasonable claims. In this business, the difference between a truck back on the road in four days and one sitting for three weeks is usually the claims process, not the policy.
Request your commercial auto insurance quote
Protect your equipment and your drivers with a specialist who understands the road ahead. Whether you are reviewing existing limits or looking for a competitive quote, Palomar has the market reach and carrier leverage to deliver.
Contact the Palomar Transportation Team at (800) 489-0105 or email info@palomarins.com to request a quote and schedule a fleet risk review. You can also contact us online.
Palomar has served transportation clients since 1954.
