Insurance for truckers,
by truckers.
We don't just insure the trucking industry, we've operated inside it. TB Insurance was founded by someone who ran a trucking company before becoming a licensed agent.
What's included.
Primary Liability
Essential coverage required by the FMCSA for all commercial trucking operations. Protects against third-party bodily injury and property damage claims arising from accidents on the road.
Motor Truck Cargo
Protects the freight you haul from 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 accidents, fire, theft, and other physical damage. Covers both collision and comprehensive perils.
Non-Trucking Liability
Coverage for when your truck is used for personal, non-business purposes while under permanent lease to a motor carrier, filling the gap between dispatch loads.
Built around
your actual risk.
Regulatory Knowledge
We understand DOT regulations, Hours of Service, ELD requirements, and FMCSA filings, because we've operated inside those rules.
Owner-Operator Specialists
Whether you're leased to a carrier or running under your own authority, we build coverage that fits your actual operation.
Fast FMCSA Filings
MCS-90 endorsements, Form BMC-91X, and state-specific filings handled by our team, so you can haul without delays.
Claims Advocacy
When a claim happens, we advocate for you, not the carrier. We know the tactics used to underpay cargo and liability claims.
Frequently asked
questions.
Federal regulations require interstate commercial trucks to carry at least $750,000 in liability coverage. Hazmat carriers need $1,000,000 or more depending on cargo type.
Yes, we specialize in owner-operator coverage, including those leased to motor carriers and those operating under their own authority.
Absolutely. Our team handles all necessary filings, including MCS-90 endorsements, Form BMC-91X, and state-specific requirements.
Unlike most brokers who only sell insurance, our founder has firsthand operational experience in the trucking industry. That insider perspective helps us identify coverage gaps that generic agents miss.
Let's find you the
right coverage.
No jargon. No generic policies. Just coverage built around your actual business, with a fast turnaround on quotes.