For-hire truckers
Dry van, reefer and flatbed carriers, regional and long haul.
Commercial Auto · Trucking
Coverage that moves at your mileage.
Liability, cargo and physical damage for long-haul carriers and local trades alike — with the option to pay for the miles your units actually drive. Report odometers online, get a statement, done.
- Per-mileor fixed installments
- Onlineodometer reporting
- MCS-90state & federal filings
Overview
Know your cost per mile before you roll.
Every operation runs differently. A dump truck that never leaves the county shouldn't be billed like a team running coast to coast. We place commercial auto coverage for both — and for policies rated by mileage, you report odometer readings at the end of each period and pay for the miles you drove.
Filings handledAuto liability filings, including the MCS-90 endorsement where required.
Class know-howCoverage built around the real exposures of your class of trucking.
One portalPolicies, due dates, mileage reports and every update in one timeline.
Trucking classes offered
From local trades to long haul.
Contractors
Plumbers, electricians, handymen and builders on the job site.
Dump trucks
Sand, gravel, aggregate and construction hauling.
Tow & auto haulers
Wreckers, rollbacks and car carriers.
Logging
Log trucks and forestry equipment transport.
Farmers
Farm trucks hauling your own crops and livestock.
Caterers & concessions
Food trucks, catering vans and mobile vendors.
Wholesalers & manufacturers
Delivery fleets moving your own products.
Coverages & product features
Build the policy around the truck.
Core coverages
- Primary auto liabilityBodily injury and property damage to others.
- Motor truck cargoThe freight you haul for others.
- Physical damageCollision and comprehensive for your units at stated value.
- Non-trucking liabilityFor leased-on owner-operators driving off dispatch.
- Trailer interchangeNon-owned trailers in your care under an interchange agreement.
- Hired & non-owned autoRented vehicles and employees' cars used for business.
Additional product features
- Combined deductibleOne deductible when a loss hits tractor and trailer.
- Drive other carCoverage when named individuals drive non-owned autos.
- Limited pollution liabilityFuel and fluid spills from your own unit.
- Waiver of subrogationRequired by many shipper and broker contracts.
- Additional insuredAdd certificate holders when a contract calls for it.
- State & federal filingsIncluding the MCS-90 endorsement.
Coverages, limits and features depend on the insurance carrier, the state and underwriting approval. Not all features are available in every state.
Mileage-based billing
Drive. Report. Pay for the miles.
- 1Drive
Your units run as usual. The period is a calendar month or quarter.
- 2Report odometers
After the period, enter start and end readings for each unit in the portal — optionally split by state.
- 3Agent review
Your agent checks the report. If something looks off, it's returned with a note.
- 4Statement
You get a statement: miles × your rate, or the period minimum if higher. Pay by the due date.
Example period3 tractors · 28,500 mi
×
Rate per mile$0.042
=
Statement$1,197.00
Illustration only. Your rate and minimum are set on your policy.
Mileage Rater
Get an indication in under a minute.
Tell us how you operate. The rater estimates an annual range using factors set by our agency, then you can send it to a licensed agent for a real quote.
Annual indication
—
≈ — / monthAll-in — / mile
What if you drive less?
Indication only — not a quote, binder or offer of coverage. Final premium is determined by the insurance carrier after underwriting, and depends on drivers, loss history, garaging, commodities and more.
Resources
Mileage billing, answered.
Which miles do I report?
Report the odometer reading at the start and end of the period for every unit scheduled on your policy. Your policy wording defines which miles are rated; your agent can walk you through it.
When is my mileage report due?
Each policy sets a number of days after the period ends — for example 10 days. The portal shows the exact deadline and sends a reminder when the period ends (if reminders are on).
What if a unit didn't move?
Enter the same reading twice. Every unit on the policy is included so the record stays complete.
Is there a minimum?
Mileage-rated policies usually include a minimum per period. Your statement is the higher of miles × rate and that minimum, and both numbers are shown on every statement.
Can I split miles by state?
Yes. It's optional, but if you enter a state breakdown it must add up to the odometer total. The portal shows a live map as you fill it in.
Is my information private?
Your account is protected by a password only you set. Each client sees only their own policies, and we never ask for Social Security numbers or bank account numbers in the portal.
Report a claim
Claims are handled by the insurance carrier on your policy. The carrier's claims number is on your policy documents and ID cards. Call us and we'll help you start the report.
Make a payment
Sign in to see your payment orders: the exact amount, the due date, where to send the payment and the reference to use. Payments are made directly to the agency — this site never asks for card or bank details.
Sign in to view payment ordersReady to see your rate per mile?
It takes about a minute. No account needed.