Primary Liability
Essential coverage required by the FMCSA for all commercial motor carriers. Protects against third-party bodily injury and property damage from accidents involving your vehicles.
Every coverage your
business needs.
TB Insurance offers specialized coverage across transportation, logistics, construction, and commercial business — built around your actual risk, not a generic policy template.
Transportation
Coverage
Specialized coverage for trucking, freight brokerage, and logistics operations.
Motor Truck Cargo
Protects the freight you haul against damage, theft, or loss while in your care, custody, and control — from the point of pickup to final delivery.
Physical Damage
Comprehensive protection for your trucks and trailers against collision, fire, theft, and vandalism — keeping your fleet on the road and earning.
Non-Trucking Liability
Fills the coverage gap when your truck is operated for personal use while under permanent lease to a motor carrier. Sometimes called bobtail insurance.
Contingent Cargo
Protects freight brokers when a carrier's insurance is insufficient, denied, or the carrier's insurer is insolvent. Without it, you face direct liability to the shipper.
Freight Broker E&O
Coverage for financial losses arising from brokerage mistakes — routing errors, documentation failures, missed deadlines, or service negligence claims.
Warehouse Legal Liability
Covers damage to goods stored in your warehouse or distribution center — fire, theft, and handling damage while freight is in your care.
Commercial Business
Coverage
General commercial coverage for businesses across all industries.
General Liability
The foundation of any commercial insurance program. Covers third-party bodily injury, property damage, and advertising injury arising from your business operations.
Workers' Compensation
Covers medical expenses and lost wages for employees injured on the job — required by law in most states and a prerequisite on virtually every commercial project.
Commercial Auto
Covers vehicles used for business purposes — from a single work truck to a mixed fleet — including liability, collision, comprehensive, and uninsured motorist.
Builders Risk
Protects structures under construction against fire, theft, vandalism, and weather damage — from ground-breaking through certificate of occupancy.
Professional Liability
Protection against claims of errors, omissions, or negligence in the professional services you provide. Required by most professional contracts.
Cyber Liability
Covers data breaches, ransomware attacks, and other cyber incidents — including response costs, regulatory fines, and business interruption losses.
Business Interruption
Replaces lost income and covers ongoing fixed expenses when a covered loss forces you to pause or reduce operations — keeping you financially stable during recovery.
Business Owner's Policy
A bundled package combining general liability, commercial property, and business interruption at a reduced rate — the most cost-effective starting point for qualifying businesses.
Building your
coverage program.
01
Assess Your Risk
We learn your business — operations, exposure, and what keeps you up at night — before recommending a single policy.
02
Build Your Program
We design a coverage program with the right policies, limits, and endorsements. No gaps, no unnecessary overlap.
03
Advocate For You
When claims happen, we represent your interests — not the carrier's — and adjust your program as your business grows.
Let's find you the
right coverage.
No jargon. No generic policies. Just coverage built around your actual business.