Looking to widen your markets for Transportation? Breckenridge Insurance now offers Small Trucking Business insurance capabilities with future expansion plans! 

Small trucking business operation coverages are currently available in the following states: AZ, AR, CO, GA, IA, IL, IN, KS, KY, ME, MI, MN, MO, MS, NV, SC, TN, and WI, with more on the horizon. 


  • Motor Carrier Auto Liability and Physical Damage
  • Physical Damage on Non-Owned Trailers
  • Hired & Non-Owned Auto
  • General Liability
    • Including employee benefits
  • Motor Truck Cargo
    • Limits up to $250,000 

Target Classes

  • Flatbed
    • Aircraft parts, building materials, glass, steel, scrap metal, copper, lumber, and pipe
  • Dry Van
    • Auto parts, electrical supplies, paint, paper, furniture, and grocery/supermarket
  • Reefer
    • Fruit/produce, meat/poultry, frozen foods, and dairy/milk/cheese
  • Hopper Bottom
    • Grain only
  • Tankers
    • Non-Fuel and Non-Waste Liquid Bulk Material (including potable and non-potable water, juice, milk, and compressed oil)
  • Straight Trucks
    • General commodities/food with no moving/storage and no residential deliveries
      • Please note: Not limited to the listed commodities above, unless otherwise stated)

Submission Requirements

  • Business Owner Information
  • Filings
  • Small Trucking Application
  • Vehicle Schedule
  • Driver Schedule
  • IFTAs (4 full quarters, including current)
  • Loss Runs (4 full years, including current year and currently valued in last 90 days)

Excluded Operations

  • Intermodal
  • Dump trucks (including waste haulers)
  • Hazmat haulers – requiring $5M in limits
  • MC currently in bankruptcy
  • Any Canada or Mexico exposure
  • Primary garaging outside the U.S.
  • Drive-away operations
  • Couriers
  • Tow Trucks/Wreckers/Auto Haulers
  • Last-mile residential delivery services
  • Explosive haulers
  • Crane/Boom Trucks
  • Food delivery
  • Passenger Transportation
  • Household goods movers
  • Mileage greater than 125,000 miles per truck/per year
  • Vehicles greater than 25 years old
  • Car/Truck Rental/Leasing operations
  • Fuel or Propane Haulers
  • Hotshots

Accounts must have between 1-14 units, no new ventures, and must be in business for a minimum of four years. Drivers must have two years of CDL experience.  

Contact Us

For more information on how our small trucking business insurance capabilities can help your business, please reach out to Caprece Berent, AVP Broker, at moc.sikcerb@tnerebc. Please click here to download the carrier application, which is mandatory in order to receive a quote. 

Breckenridge Insurance Announces New Auto Liability Market for Small Trucking Businesses was last modified: March 27th, 2023 by Breckenridge Insurance Services