Insurance Solutions for
Every Road You Take
From launching a new authority to managing a national fleet, we provide the specialized protection that keeps your 18-wheelers moving and your business compliant.
Expertise in Every Segment
of the Trucking Industry
No two trucking businesses are exactly alike. Your insurance requirements depend on your authority status, fleet size, equipment type, and operating scope. What works for a solo owner-operator won’t fit a fleet of 50 trucks hauling specialized cargo across state lines.
Our specialists understand the nuances of the American trucking market. We help you identify the coverage requirements specific to your business model, ensuring you meet all federal regulations while protecting your most valuable assets—your trucks and your reputation.
"We don't just sell policies; we build protection plans that grow with your business, from your first truck to your hundredth."
Partnering with American truckers since day one.
Coverage for Your
Business Milestone
Different stages of growth require different levels of protection. Select your current business state to see how we can help you navigate your insurance needs.
"Starting your authority is the boldest move you'll make. We help you secure the coverage you need to go active without overpaying."
Essential Protection:
"You are the backbone of the industry. We protect your truck, your cargo, and your livelihood with policies tailored to independent drivers."
Crucial Coverage:
"Scale your business without scaling your risk. We help you manage multiple drivers and units with streamlined fleet policies."
Growth Focus:
"Enterprise-level logistics require enterprise-level risk management. We connect you with top-tier carriers and high-limit umbrella coverage."
Enterprise Needs:
Specialized Coverage for Your Rig & Freight
From heavy haul to last-mile delivery, we have specialized policies for every equipment type in the industry.
Common enclosed trailer hauling for non-perishables. Needs comprehensive tractors/trailers protection.
Specialized open-deck freight requiring proper securement and often higher cargo limits.
Temperature-sensitive freight requiring essential mechanical breakdown coverage.
Hauling customer trailers. Trailer interchange insurance is critical for this model.
Hot shot and last-mile delivery. Needs appropriate commercial auto liability structures.
Local delivery, moving, and distribution. Coverage varies by GVWR and business use.
Construction and bulk material hauling. Requires on-site liability and pollution coverage.
High-risk liquid/hazmat hauling. Pollution liability is a non-negotiable requirement.
High-value vehicle transport. Requires high-limit cargo and on-hook loading coverage.
Get the Right Coverage
for Your Entire Fleet
Every trucking business type has unique insurance requirements, risk exposures, and coverage options. Our specialists understand these distinctions and connect you with coverage designed for your business model.
The United Lanes Advantage:
"Ready to protect your 18-wheeler business today?"
Call 405-963-3920 for Segment-Specific QuotesTalk to an expert who knows your segment of the industry.
Quick Reference: Coverage by Business Type
Compare mandatory and recommended coverages across different trucking operations.
| Business Type | Liability | Damage | Cargo | Special Coverage |
|---|---|---|---|---|
| New Authority | Required | Recommended | Required | New Venture Rates |
| Owner-Operator | Required* | Essential | Required* | Non-Trucking Liability |
| Small Fleet | Required | Full Fleet | Required | Workers' Comp |
| Large Fleet | High Limits | Full Fleet | Varying | Umbrella/Excess |
| Dry Van | Required | Full Fleet | Standard | Standard Cargo |
| Flatbed | Required | Full Fleet | High Limits | Cargo Securement |
| Reefer | Required | Full Fleet | Standard | Reefer Breakdown |
| Power Only | Required | Units Only | Required* | Trailer Interchange |
| Box Truck | Required | Full Fleet | Standard | On-Hook Support |
| Tanker | Hazmat/High | Full Fleet | Varying | Pollution Liability |
| Auto Hauler | Required | Full Fleet | $250K+ | Loading/Unloading |
*If operating under own authority. Costs and requirements vary by specific operation and state.
Secure the Future of Your
Trucking Business
Don't settle for "off-the-shelf" insurance. You deserve guidance from specialists who live and breathe American trucking.