Commercial Trucking Insurance Across 48 States
One Trusted Advisor for Your Trucks, Drivers, and Cargo—With Access to 100+ Carrier Partners.
If trucks keep your business moving, your insurance program has to keep up. I work with trucking businesses across 48 states to design commercial insurance strategies that reflect your routes, your contracts, and your real-world risks. With access to 100+ carrier partners, I compare options, explain them in plain English, and help you feel confident about every policy you put in place.
Why Work With an Independent Advisor for Trucking Insurance
Trucking isn’t a one-size-fits-all industry—and your insurance shouldn’t be either. When you work with Shay Koko Insurance Agency, you get a long-term partner who understands the realities of life on the road and the pressures of running a trucking business.
Independent, Not Tied to One Carrier
I’m not locked into a single trucking insurance company, which means I can compare options from many carriers to help you find coverage that fits your operation.
Boutique, Relationship-First Service
You’ll work directly with me, not a call center. I take time to understand your routes, your drivers, your equipment, and your goals.
Education Before Sales
I walk you through your options in plain English so you can make informed decisions about limits, deductibles, and endorsements—without pressure.
One Trusted Advisor Across States
Instead of juggling different agencies in different states, you can rely on one point of contact who understands your full picture.
Access to 100+ Carrier Partners
With a broad network of carrier partners, I can explore different underwriting appetites for local, regional, and long-haul trucking.
Built for Long-Term Relationships
My goal is to support your business as it adds units, expands routes, and takes on new contracts—not just at renewal time.
Insurance With Intent. Service With Soul. That’s the promise behind every recommendation I make for your trucking operation.
Trucking Insurance That Travels With You—Across 48 States
Whether you’re running local routes in Texas or hauling freight across the country, you shouldn’t have to start over with a new insurance agency every time you cross a state line. I help trucking businesses coordinate commercial insurance solutions across 48 states so your coverage can grow with your lanes.
As your operation changes—adding units, hiring new drivers, taking on different types of freight, or expanding your service area—I’ll help you understand what needs to change in your insurance program and what can stay the same.
Here are just a few of the trucking and transportation operations I commonly support:
Owner-operators
Small and mid-size fleets
Regional and long-haul carriers
Local delivery and last-mile operations
Refrigerated and food-grade carriers
Flatbed and heavy haul
Auto haulers
Tanker operations
Intermodal and drayage
Freight brokers and logistics providers
Wherever your trucks are headed next, I’m here to help you protect what you’re hauling and who’s behind the wheel.
Access to 100+ Carrier Partners for Trucking Insurance
Why carrier choice matters for trucking businesses
Trucking risks can look very different from one operation to the next. With access to more than 100 commercial insurance carrier partners, I can compare options and help you build a trucking insurance strategy that reflects your equipment, your drivers, and your freight.
Customized Protection
Different carriers specialize in different types of trucking risk. I match your operation with carriers that understand your lanes and freight.
More Coverage Options
From auto liability and physical damage to cargo and non-trucking liability, we can explore a wide range of coverage structures.
Different Underwriting Appetites
Some carriers are more comfortable with certain driver profiles, unit counts, or commodities. I help you navigate those differences.
Competitive Pricing
By comparing multiple carriers, we can look for strong coverage at a competitive price point—not just the cheapest option on the table.
Solutions Tailored to You
Instead of forcing your operation into a one-size-fits-all policy, we can design a program that fits your real-world exposures.
My focus is always on finding the right coverage for your trucking business—not just the lowest premium. I’ll walk you through the trade-offs so you can choose protection that feels both responsible and sustainable.
Trucking Insurance Solutions for Real-World Risks
From everyday fender-benders to complex contract requirements, trucking comes with a unique set of risks. I help you build a trucking insurance program that supports how you actually operate on the road and in the yard.
Common trucking coverages I help business owners explore include:
Commercial Auto Liability
Physical Damage (Comprehensive & Collision)
Helps protect your business if your truck is involved in an at-fault accident that injures someone or damages their property.
Helps cover certain damage to your insured trucks from covered causes like collisions, theft, or vandalism.
Motor Truck Cargo
General Liability
Helps protect the goods you’re hauling while they’re in transit, subject to policy terms and limits.
Helps protect your business from certain non-auto-related claims, such as third-party bodily injury or property damage at your premises.
Non-Trucking Liability (where available and applicable)
Trailer Interchange
Coverage for certain liability exposures when a truck is being used for non-business purposes.
Helps protect certain trailers you don’t own while they’re in your care under a trailer interchange agreement.
Bobtail Liability (where available and applicable)
Workers’ Compensation
Coverage for certain liability exposures when operating a truck without a trailer, subject to policy terms.
Provides benefits to employees who are injured or become ill because of their work, where available and applicable.
Occupational Accident (where available and applicable)
Umbrella Insurance
An option some owner-operators consider to help address certain injury-related costs.
Provides an extra layer of liability protection above certain underlying policies.
Cargo and Reefer Breakdown Endorsements
Cyber Liability
Helps address certain losses related to refrigerated loads, subject to policy terms and conditions.
Helps address certain costs related to data breaches, cyberattacks, and privacy incidents for tech-enabled trucking operations.
Not every trucking operation needs every coverage—but every operation deserves a thoughtful conversation about risk. I’m here to help you sort through what makes sense for you.
Owner-Operators
Support for single-unit and small fleet owner-operators who want a relationship-first advisor.
Refrigerated & Food-Grade Carriers
Coverage for operations hauling temperature-sensitive and food-grade freight.
Last-Mile & Delivery
Solutions for parcel, courier, and final-mile delivery operations.
Trucking and Transportation Businesses I Commonly Serve
Because I work with trucking businesses across 48 states, I see a wide range of operations and risk profiles. Here are some of the trucking and transportation sectors where I frequently help business owners design insurance strategies:
Local & Regional Carriers
Coverage for carriers focused on short-haul and regional lanes.
Flatbed & Heavy Haul
Support for carriers moving oversized, over-dimensional, or specialized loads.
Intermodal & Drayage
Coverage for port, rail, and container-focused operations.
Long-Haul Fleets
Support for fleets running multi-state and cross-country routes.
Auto Haulers
Coverage for businesses transporting vehicles, from dealerships to auctions.
Freight Brokers & 3PLs
Support for logistics providers coordinating freight without owning all the equipment.
Commercial Trucking Insurance FAQs
Can you insure trucking businesses outside Texas?
Yes. While my agency is based in Texas, I can provide commercial trucking insurance solutions in 48 states. If your routes or operations extend beyond Texas, we can explore how to structure your coverage accordingly.
Do you work with owner-operators, fleets, or both?
Both. I work with single-unit owner-operators, small and mid-size fleets, and growing operations that are adding units or expanding their service area.
How many insurance carrier partners do you work with for trucking?
I have access to more than 100 commercial insurance carrier partners. That broad network allows me to look for carriers that understand trucking and are comfortable with your specific type of operation.
Can you help if my trucking business operates in multiple states?
Yes. I regularly work with trucking businesses that run in more than one state. We’ll talk through your lanes, your contracts, and your driver and equipment profile to see what makes sense from a coverage standpoint.
What information do you need to quote trucking insurance?
Typically, I’ll ask about your equipment, drivers, routes, commodities, safety practices, and current coverage. From there, I’ll let you know what additional details I need to review your options and provide a thoughtful recommendation.
How do I request a trucking insurance quote?
You can start by scheduling a free trucking insurance consultation or sending me a quick message with a few details about your operation. From there, I’ll guide you through the next steps in plain English.
Let’s Protect the Trucks That Keep Your Business Moving.
Every trucking operation is unique—and your insurance strategy should be, too. Whether you’re an owner-operator or managing a growing fleet, I’m here to help you make clear, confident decisions about coverage.
During your complimentary trucking insurance consultation, we’ll talk through your equipment, routes, contracts, and goals. From there, I’ll outline options in plain English so you can choose what feels right for your operation.
Personalized recommendations · Education-first conversations · Relationship-focused support
Prefer to start by email or phone? Reach out and let’s talk about your trucking business.
Phone: (945) 222-3846 · Based in Texas · Serving trucking businesses in 48 states.