Tanker carrier — liquid, dry-bulk, or food-grade.
Pollution endorsement, tank-cleaning warranty, food-grade chain-of-custody.

The specialty reality.

You haul fuel, chemicals, milk, asphalt, dry-bulk powders. Pollution liability is a coverage line standard markets sublimit to negligible amounts on a tanker policy — and a single hydrocarbon spill on a residential road is a $1M+ remediation event. Carriers that write tanker correctly (Great West, Sentry, Berkshire-NICO depending on commodity) price pollution within the AL tower instead of carving it down.

The lines that anchor this specialty.

• AL · Auto Liability Bodily injury and property damage you cause operating a motor vehicle for hire. The anchor line — every other coverage layers on this one.  Detail →
• APD · Auto Physical Damage Collision and comprehensive coverage for your own tractors, trailers, and equipment. Required when units are financed.  Detail →
• MTC · Motor Truck Cargo Damage to the cargo you're hauling. Required by nearly every broker contract; the line where rookie carriers leak the most premium.  Detail →
• WC · Workers' Compensation State-mandated coverage for on-the-job injuries to your W-2 drivers and employees. Texas is the only fully optional state.  Detail →
• GL · General Liability Premises and operations liability — claims arising from your terminal, yard, or business activities that AL doesn't reach.  Detail →
• XS · Excess / Umbrella Liability Layered limits above your primary AL, GL, and Employers Liability. The line that's no longer optional for any fleet with contractual $5M+ requirements.  Detail →

Situational add-ons

• CYB · Cyber Liability ELD, TMS, and dispatch-system exposure. Increasingly required by broker contracts as ransomware on trucking dispatch becomes routine.  Detail →
• MCS-90 · MCS-90 Endorsement Federal public-protection endorsement attached to every interstate for-hire AL policy. Not a coverage upgrade — a compliance instrument.  Detail →

Carriers who write this specialty.

From the 12-carrier panel, these are the markets with declared appetite for your specialty. Carriers that exclude or sublimit your specialty get removed automatically — we don't burn the market.

Don't choose a carrier that excludes your specialty

The rookie program-design error on specialty operations is binding with a generalist carrier whose policy sub-limits the very exposure that triggered the bind. We match per line: your AL might go to a generalist; your specialty cargo or pollution layer goes to a carrier that prices the exposure correctly instead of defensively.

What we typically see for this specialty.

Tanker severity is environmental — a single CDL-1 fuel transport accident with rollover can trigger $500K-$2M in cleanup and third-party property contamination. Frequency is below general freight because tanker drivers are typically specialty-trained.

How we handle specialty claims

Environmental FNOL playbook: state DEP notification, EPA reporting if Federal Spill Reportable Quantity exceeded, remediation contractor dispatched within hours. Coverage coordinated between AL primary (bodily injury / property damage), pollution endorsement (cleanup), MCS-90 (federal financial responsibility floor).