Transportation & Fleet Insurance Solutions

BMB’s extensive knowledge of commercial transportation insurance and our long-standing relationships with the leading transportation markets enables us to successfully deliver a great product to our clients from both a price and coverage standpoint. Our team strives to create and deliver risk solutions and services to logistic providers and transporters whether it is by road, rail or air.

Transportation Insurance for Fleets & Logistics

Transportation insurance is typically built around three core risk areas: liability, cargo, and physical damage. The right program depends on what you haul, where you operate, your driver profile, and the contract requirements you need to satisfy. Below are quick definitions and answers to the most common questions fleets ask when shopping or renewing coverage.

Transportation Insurance Coverages We Recommend

Transportation businesses need protection from legal liabilities, operational miscalculations, environmental hazards, and on-road collisions. Our brokers work closely with your business to understand your objectives and operations, and create a risk management plan that meets your needs.

With over a quarter of a century of industry experience, we have developed strong relationships with some of the best commercial truck insurance providers. Our brokers leverage these connections with underwriters to supply competitive rates and reputable policies. The protections we can find for our clients include the following:

If your fleet supports oilfield services or industrial projects, your auto program should align with your overall energy insurance structure and contractual requirements.

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Fleet Safety, Claims Support, and Risk Management (BMBRisk)

BMB is committed to providing a high-level service to assist businesses in navigating a complex and aggressive environment. Our BMBRisk division can conduct an in-depth analysis, offering assistance with risk identification, control, and transfer to develop a reliable risk management plan.

As your transportation company grows over time, our services will evolve to meet the changing needs of your business. We take pride in the value of our consultative management style and offer additional in-house services to keep business pursuits on track, such as:

Why Fleets Choose BMB (Houston-Based, Nationwide Reach)

For more than 40 years, Bowen, Miclette & Britt has provided customers with dependable commercial insurance products, from risk management and surety bonds to loss control. BMB stands above the crowd with our unwavering commitment to service, becoming known for our knowledge, vision, and accountability.

At BMB, we pride ourselves on providing comprehensive services while also maintaining a strong focus on personalized service. We believe it is essential to build a professional relationship that our clients can rely on. Our organizational structure allows us to quickly and accurately respond to any questions or concerns that arise.

One of the things that sets us apart from other insurance agencies is our commitment to helping our clients grow their businesses. We have the expertise and resources to offer coverage for both domestic and international operations. As an award-winning insurance agency, we are constantly innovating our service models, technology platforms, and insurance products to reduce risk and protect our clients’ assets.

Transportation Insurance FAQs

What Insurance Does a Trucking Company Need?

Most trucking companies need a core program that includes commercial auto liability, physical damage, and motor truck cargo. Depending on how you operate, you may also need general liability, workers’ compensation, hired and non-owned auto, and excess/umbrella coverage. If you haul specialized cargo or operate under specific shipper/broker contracts, coverage terms and limits often need to be tailored to those requirements.

What is Motor Tuck Cargo Insurance and What Does it Cover?

Motor Truck Cargo (MTC) insurance helps cover loss or damage to the freight you’re hauling while it’s in transit. Coverage varies by policy, but it often includes risks like theft, collision-related damage, and certain loading/unloading incidents. Exclusions and limitations are common (cargo type restrictions, unattended vehicle requirements, temperature control, etc.), so the policy should match what you haul and the contracts you sign.

What is Non-Trucking Liability Insurance?

Non-trucking liability (NTL) is liability coverage often used by owner-operators when the truck is being operated for personal use (not under dispatch and not performing work for the motor carrier). It typically fills a gap when the motor carrier’s liability coverage doesn’t apply. Coverage triggers and definitions vary, so it’s critical to review what your lease agreement and carrier policy require.

What is Hired and Non-Owned Auto Coverage (HNOA)?

Hired and Non-Owned Auto (HNOA) coverage helps protect a business when employees drive rented (hired) vehicles or personal (non-owned) vehicles for business purposes. It can help cover liability exposures if an accident occurs and the business is pulled into a claim. It’s commonly important for logistics companies, dispatch operations, and any business that relies on employee-owned vehicles for errands, deliveries, or travel.

How Much Liability Insurance do Trucking Companies Need?

The right liability limit depends on FMCSA requirements, the type of cargo you haul, who you contract with, and your risk profile. Many fleets carry limits above the legal minimum because shippers and brokers often require higher limits (and severe claims can exceed minimums quickly). The best way to select limits is to review your contracts, routes, and claim severity exposure, then build an umbrella/excess strategy that aligns with those requirements.

How Can Fleets Lower Commercial Auto Insurance Costs?

Lowering costs usually comes down to reducing claim frequency and improving underwriting confidence. The biggest levers are: driver hiring standards, MVR monitoring, documented safety training, dash cams/telematics, clear accident reporting protocols, and aggressive claims management. Carriers reward fleets that can prove controls with data. A strong submission (clear narrative & safety documentation) can also improve pricing and options.

What Does an Umbrella Policy Cover for Transportation Companies?

A commercial umbrella policy typically provides additional liability limits above your underlying policies, often including auto liability and sometimes general liability. For transportation risks, umbrella terms matter as much as limits: the policy can include exclusions or restrictions that affect how well it responds to trucking-related claims. The umbrella should be structured to match your operations, contracts, and underlying coverage forms.

Talk to a Transportation Insurance Specialist

The BMB team has a deep understanding of the insurance and transportation industry, and strong relationships with leading transportation markets. This allows us to provide our clients with top-notch products that offer both competitive pricing and comprehensive coverage.

We strive to create and deliver risk solutions and services to transporters and logistic providers operating via road, rail or air. Interested in transportation insurance? Reach out to us today to get started on protecting your business!

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