IMD InsuranceOwner-operators
- New authority and new-venture placements
- Non-trucking liability for leased-on operators
- Physical damage that satisfies your lienholder
- Certificates to brokers and shippers, fast
Trucking & transportation
Trucking insurance,done properly.
Owner-operators, new authorities, and fleets. We shop multiple carriers, explain every line before you sign, and handle the certificates, endorsements, and claims after you do.
Who we insure
One truck or fifty.
An owner-operator with a new authority and a forty-truck fleet don't need the same program. We build to the operation.
1–10
10–30
Mid-size fleets
- Driver and equipment schedules kept clean
- Mid-term endorsements: add or remove units and drivers
- Cargo, trailer interchange, reefer breakdown
- Renewal marketed well before the X-date
30+
Large fleets
- Umbrella and excess liability layers
- Workers' compensation and occupational accident
- Safety-record review before we go to market
- A dedicated contact for certificates and endorsements
Coverage
Every line, explained.
What each policy does and who usually needs it. Your policy documents always control.
01
Primary auto liability
Injury and property damage your truck causes to others. For-hire interstate carriers generally need at least $750,000 under FMCSA rules; most brokers ask for $1,000,000.
Required02
Motor truck cargo
The freight in your care. Commodity restrictions and unattended-vehicle clauses are where claims get denied — we read them with you first.
Broker-required03
Physical damage
Repairs or replaces your own tractor and trailer after collision, fire, theft, or other covered loss. Stated value and deductible set the price.
Lender-required04
Non-trucking liability
Also called bobtail. Protects leased-on owner-operators when driving for personal use — the gap your motor carrier's policy doesn't fill.
Leased O/O05
General liability
Bodily injury and property damage away from the truck — at a dock, your yard, or a customer's facility. Often required by shipper contracts.
Contracts06
Workers' comp & occupational accident
Workers' comp for employees, required by state law in most states; occupational accident for contracted drivers. Which fits depends on classification.
By state07
Umbrella & excess
Limits above your primary liability. Large verdicts against motor carriers have made excess layers a serious conversation for fleets of every size.
Higher limits08
Trailer interchange & reefer breakdown
Physical damage to non-owned trailers under an interchange agreement; spoilage from refrigeration failure, often excluded on a standard cargo form.
SpecialtySimplified summaries for general information. Coverage, limits, and exclusions vary by carrier and policy. Federal and state minimums cited are general references and may change.
Process
Four steps to bound.
Have your DOT number, driver list, VINs, and loss runs handy and this moves quickly. Missing some? Start anyway — our intake reads what you send.
i.
Tell us about your operation
DOT/MC number, units, drivers, commodities, radius. Send loss runs and schedules as they are — we extract the data.
ii.
We shop the market
Your safety record and carrier appetite data decide which trucking markets see the account. Submitted in parallel.
iii.
Compare side by side
Limits, deductibles, exclusions, and price — with a licensed producer's recommendation.
iv.
Bind, file, and roll
The carrier binds and files; we confirm the filing posts and get certificates to your brokers.
FAQ
Trucking questions.
How much does truck insurance cost?
It depends on radius, commodities, equipment values, driver experience, loss history, safety record, and garaging location — so any number quoted without those is a guess. The fastest route to a real figure is a ten-minute conversation.
Do you handle FMCSA filings?
Federal liability filings (such as the BMC-91/91X) are submitted electronically by the insurance company once a policy is bound. We coordinate with the carrier and confirm the filing posts. Some states have their own requirements — we flag those too.
Can you insure a brand-new authority?
Yes. Fewer carriers write new ventures and pricing reflects the lack of history, but there are markets for it. Driver experience matters a lot here, so have CDL history ready.
How do I get a certificate of insurance?
Send us the certificate holder's name and address and any special wording. Some wording requires a matching endorsement on the policy, which we confirm before issuing.
What should I do after an accident?
Make sure everyone is safe and call emergency services if needed. Report the claim to your insurance company's claims line — it's on your ID card and open 24/7 — then call us. We'll help you through the process. Prompt reporting is usually a policy condition.
Get a quote
Talk to a person.
(332) 333-2353 IMD Insurance Agency LLC767 Broadway #1239, New York, NY 10003
Hours: business hours — fill in
Good to have readyCurrent policies and declarations · 3–5 years of loss runs · payroll and revenue · any contract or lender insurance requirements