Trucking Coverage Review - CGJ Financial Commercial Insurance

🚛 Owner-Operator Running your own authority

🔗 Leased On Operating under a carrier's authority

📋 New Authority Getting started, need filings

🏢 Fleet Manager 5–50+ power units

14TH Consecutive year of commercial auto underwriting losses · $4.9B Industry underwriting loss in 2024 alone · +36% Average cargo theft value increase in 2025 · +9.2% Bodily injury severity increase year over year · +30% Umbrella and excess renewals up to 30% in 2026 · $273,990 Average cargo theft value per incident in 2025 · 120–180 Days out — when renewal prep should start · 14TH Consecutive year of commercial auto underwriting losses · $4.9B Industry underwriting loss in 2024 alone · +36% Average cargo theft value increase in 2025 · +9.2% Bodily injury severity increase year over year · +30% Umbrella and excess renewals up to 30% in 2026 · $273,990 Average cargo theft value per incident in 2025 · 120–180 Days out — when renewal prep should start ·

What Generalist Brokers Skip

Six Gaps That Show Up
In Trucking Reviews

This isn't generic business auto. These exposures only surface when you know trucking's underwriting realities — the filings, the driver roster, the cargo mix, and the claim history.

01

Filings & Authority Alignment

FMCSA requires financial responsibility filings to stay current. A lapse can halt your operating authority. The MCS-90 is not issued per vehicle — it is attached to the motor carrier policy. Many operators do not know if theirs is correctly structured.

Compliance

02

Coverage vs. Operations Mismatch

Your scheduled coverage may reflect what your operation looked like two years ago. Radius changes, new commodities, added trailers, new lanes — any of these can create underwriting mismatches that only surface after a claim, not before.

Structure

03

Cargo Fraud & Strategic Theft

Strategic cargo theft grew nearly 1,500% from 2022 to 2024. Fake brokers, spoofed credentials, identity fraud. A standard cargo policy may not cover theft executed through identity schemes. This lives in your dispatch protocols, not just your dec page.

Cargo

04

Driver Roster & Underwriting Exposure

Underwriters price based on your driver mix — age, experience, MVR profile, Clearinghouse status. If your roster changed and your renewal submission did not, you may be mispriced, exposed, or locked out of the markets you actually want.

Drivers

05

Downtime & Loan/ACV Gap

Physical damage covers the truck. It does not fix the cash flow while it sits in the shop. Rental reimbursement is time-capped. If your loan balance exceeds actual cash value at total loss, that gap is yours to absorb.

Cash Flow

06

Excess Tower Structure

Umbrella and excess renewals are running +12% to +30% in 2025–2026 with higher attachment points and reduced capacity. Most operators do not know their excess structure until the liability event that tests it.

Liability

Why Operators Call Us

Recognize Any
Of These?

My premium went up and I haven't had a loss in three years.

Clean loss run. Higher premium. The market is repricing your class, not your account.

Renewal Review

I'm 60 days from renewal and I don't know if I'm getting a fair number.

30 days is shopping. 120 days is strategy. Let's look at it now.

Renewal Review

My excess quote jumped 25% and I don't understand why.

The problem may be structure, not just price. Look at the tower before you cut limits.

Excess Review

A fake broker almost cost me a $200K load. I'm not sure my cargo coverage would have paid.

Strategic theft is now an insurance problem, not just a dispatch problem.

Cargo Audit

I lost a week of revenue after an accident because my truck sat in the shop.

Physical damage fixes the truck. Downtime coverage fixes the cash flow.

Gap Review

A shipper rejected my COI over additional insured wording.

Certificate problems are preventable. We catch these before they cost you freight.

COI Review

The Offer

The Trucking
Coverage
Review

We are not asking you to move your coverage today. We are helping you see what actually needs attention before renewal pressure turns into bad pricing, filing problems, or avoidable losses.

Bring your current policy and loss runs. We will tell you what is aligned, what is exposed, and what to fix before the market shops your account.

Request a Review →

✓ Trucking Coverage Review

What Gets Reviewed

A structured look at the details that affect pricing, eligibility, and renewal readiness — not a generic insurance conversation.

✓ Authority, filings, and MCS-90 alignment
✓ Driver roster, MVR exposure, Clearinghouse status
✓ Coverage structure vs. actual current operations
✓ Cargo exposure, commodity mix, strategic theft controls
✓ Excess tower and umbrella adequacy
✓ Downtime exposure and ACV vs. financed value gaps
✓ Loss run narrative and renewal readiness position
✓ Certificate and contract compliance requirements

⏱ Typical review call: 30–45 minutes. No obligation to switch. SMS follow-up is optional — email only is fine.

What To Expect

How The
Review Works

A trucking specialist reviews your submission — not a generic call-center queue. Here is exactly what happens after you submit.

1

Submit Your Operation Details

Tell us your setup — authority type, equipment, how you haul, and when your renewal is. Takes under 3 minutes. We ask only what matters.

2

We Review Before We Call

A CGJ trucking specialist reviews your submission before reaching out. You get a prepared conversation about your actual operation — not a cold intake call.

3

30-Minute Review Call

We walk through what is aligned, what is exposed, and what to address before renewal. Bring your current docs and loss runs if you have them — we will use them.

4

You Decide What Comes Next

No pressure to switch. You will know what questions to ask your current broker, what to tighten up, and whether your renewal deserves more attention.

No obligation. No hard sell. If your current coverage is solid and fairly priced, we will tell you. We only recommend change when we find real gaps or meaningful mispricing.

Request My Review →

Built For You

This Is For
You If —

✓ You run 1–50 power units with your own authority
✓ You are leased on and want to understand your actual gaps
✓ You are a new authority and need filings done right from the start
✓ Your operation changed and your coverage has not caught up
✓ Your premium went up and you do not know why
✓ You are inside 180 days of renewal and want to prepare properly
✓ A claim, cargo theft, or compliance issue taught you something expensive

Request My Coverage Review →

Not The Right Fit

This May Not
Be For You If —

✗ You want the cheapest number and do not care what is actually covered
✗ You are looking for a quote mill with no follow-through
✗ You are a 500-unit fleet with a full-time risk manager on staff
✗ You operate in a specialized segment we do not currently serve

Operator Stories

Real Operators.
Real Outcomes.

Reefer Fleet · 22 Power Units

★★★★★

We had been with the same broker for six years. CGJ found that our cargo wording excluded parked-load coverage we thought we had. That gap was real — and we fixed it three months before renewal.

Regional Reefer Carrier

Southeast Operations · 22 Units

New Authority · Owner-Operator

★★★★★

I did not know what I was buying when I got my first policy. CGJ walked me through the BMC-91, the MCS-90, and what I actually needed to stay compliant. I was rolling in two weeks with the right coverage.

Owner-Operator

Dry Van · Texas · New Authority

Fleet Manager · 11 Units

★★★★★

Our renewal came in 18% higher despite clean losses. CGJ helped us build a submission showing our safety program, telematics data, and driver controls. We brought it down to 9% and kept the same limits.

Regional Fleet Manager

Flatbed · 11 Power Units

Your Turn

Find out what your coverage review reveals — before renewal does.

Request My Coverage Review →

Request Your Review

Request Your
Trucking Coverage
Review

A CGJ trucking specialist reviews your submission — not a pitch for a policy you did not ask for. Expect a real conversation about your actual operation, your real renewal exposure, and what actually needs attention before the market finds it first.

Under 3 minutes to submit

No obligation to switch coverage

SMS is optional — email only is fine

Call confirmed within one business day

Bring your policy and loss runs if you have them

A trucking specialist reviews this — not a call center

Operation Details · All Fields Optional Except Email

Something went wrong. Please try again or email us directly at [email protected]

✓

Submitted Successfully

A CGJ trucking specialist will review your submission and confirm your call time within one business day.

This is a real conversation about your actual operation — not a generic follow-up call.

First Name

Last Name

Company Name

Email Address *

Mobile Phone

Operation Type

Number of Power Units

Renewal Month

Primary Haul Type

A trucking specialist reviews this — not a generic call-center queue.

CGJ Financial is a licensed insurance broker. Coverage availability, eligibility, and terms vary by carrier, authority type, operation profile, and state. Nothing on this site constitutes a binding quote, coverage commitment, or guarantee of eligibility or pricing. FMCSA minimum public liability for for-hire non-hazmat carriers at or above 10,001 GVWR is generally $750,000; requirements differ for hazmat, household goods, and other authority types. Information on this site is for general guidance only and does not constitute legal, compliance, or regulatory advice. Mobile opt-in data is not shared with third parties or affiliates for marketing or promotional purposes. Privacy Policy · Terms & Conditions · SMS Terms

CGJ FINANCIAL

YOUR COVERAGE SHOULD MATCH YOUR OPERATION RIGHT NOW — NOT LAST YEAR.