14 lines. One coordinated program.
Multi-carrier piece-out — every line independently quoted, independently bound, independently renewed. Standard markets handle the bread and butter; surplus and MGA capacity handles the harder placements.
- Floor
- $750,000 CSL — 49 CFR §387.9 minimum for general freight; $5M for hazmat
- Trigger
- Operating any commercial motor vehicle under USDOT authority — interstate or intrastate for-hire
Authority · 49 CFR §387.9 (financial responsibility) + §387.15 (MCS-90 endorsement)
Detail →- Floor
- None — voluntary line
- Trigger
- Equipment financed or leased — lender requires APD as collateral protection
Authority · Stated / agreed value at ACV per unit; IRMI Commercial Auto
Detail →- Floor
- $5,000 per vehicle / $10,000 per occurrence — federal floor for household-goods carriers only (49 CFR §387.303)
- Trigger
- For-hire freight transport — for any commodity
Authority · 49 CFR §387.303 (household goods); TIA Model Broker-Carrier Agreement
Detail →- Floor
- None — contract-driven (UIIA / equipment-interchange agreements)
- Trigger
- Signing the UIIA (drayage / intermodal carriers)
Authority · IANA Uniform Intermodal Interchange and Facilities Access Agreement (UIIA)
Detail →- Floor
- None — substitute coverage when under §376 lease
- Trigger
- Owner-operator under §376 lease to a motor carrier
Authority · 49 CFR §376.12(c)(1) — operating under lease
Detail →- Floor
- None — required by lease / contract
- Trigger
- Operating a terminal, yard, or repair facility
Authority · TIA Model Broker-Carrier Agreement; standard CGL form ISO CG 00 01
Detail →- Floor
- Statutory per state
- Trigger
- Hiring your first W-2 employee (driver, mechanic, dispatcher)
Authority · NCCI rules; state DOI / DWC regulations; Texas Department of Insurance
Detail →- Floor
- None — voluntary line
- Trigger
- Lease agreement with 1099 owner-operators (lessee carrier offers OA package)
Authority · IRMI Occupational Accident references; AICPCU coverage manuals
Detail →- Floor
- None — driven by contract limits
- Trigger
- Shipper contracts requiring $5M+ combined limits
Authority · Insurance Journal nuclear-verdict reporting; standard XS forms
Detail →- Floor
- None
- Trigger
- ELD (Electronic Logging Device) data storage
Authority · IRMI Cyber-Trucking references; broker cyber-attestation standards
Detail →- Floor
- None
- Trigger
- W-2 employee headcount crossing 10-15 (claim frequency rises sharply)
Authority · IRMI EPLI references; EEOC / state DFEH enforcement landscape
Detail →- Floor
- None
- Trigger
- Renting a substitute tractor while your own is in repair
Authority · IRMI references; standard inland-marine equipment forms
Detail →- Floor
- None
- Trigger
- Operating an auto-haul staging yard with customer vehicles in custody
Authority · IRMI Garage / Garagekeepers references; standard GKLL forms
Detail →- Floor
- $750,000 — 49 CFR §387.9 general freight; $5M for hazmat (MCS-90B)
- Trigger
- Every interstate for-hire motor carrier with an MC number — automatic
Authority · 49 CFR §387.15 (MCS-90 / MCS-90B form requirements)
Detail →- Floor
- $75,000 — 49 CFR §387.307
- Trigger
- Holding a property-broker MC (MC- number, broker authority)
Authority · 49 CFR §387.307; 49 USC §13906; FMCSA L&I broker requirements
Detail →Carrier rating gate — A.M. Best A- or better
Every carrier we submit to clears the A.M. Best A- floor (A++, A+, A, A-). When a certificate-holder requires A- and a placement can't clear it, the quote gets escalated — not silently bound to a non-admitted carrier without your explicit consent.
Ready for a quote?
Tell us about your operation. We'll come back with a per-line piece-out.