Specialized Truck Insurance

Your first and last stop for truck insurance.

Coverage for owner-operators, new ventures and established transportation companies. Compare competitive options for liability, cargo, physical damage and more.

Same-day options New ventures welcome Licensed in FL, TX & NE
Commercial semi truck
Specialized protection Coverage built for trucking
24/7 Insured portal Online certificates

Same-Day Quotes

Competitive options without waiting several days for an answer.

24/7 Certificates

Request certificates online through our insured portal whenever you need them.

Broad Market Access

Access to highly rated carriers, admitted markets and specialty programs.

Insurance services

Coverage tailored to your trucking business.

Build a protection plan around your vehicles, cargo, drivers and contractual requirements.

Auto Liability

Helps protect your business when a covered vehicle causes bodily injury or property damage to others.

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Motor Truck Cargo

Protects cargo against covered damage, theft or loss while being transported.

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Physical Damage

Covers insured vehicles for covered collision, fire, theft, vandalism and other physical losses.

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General Liability

Protection for covered third-party injury, property damage and certain operational risks.

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Excess Liability

Adds liability limits above eligible underlying policies for larger claims and contract requirements.

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Workers Compensation

Helps cover employee medical costs and lost wages for eligible work-related injuries or illnesses.

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Bobtail

Coverage for certain liability exposures while operating a tractor without an attached trailer.

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Non-Trucking Liability

Liability protection for certain personal or non-business use while operating under a motor carrier lease.

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Occupational Accident

Accident protection designed for eligible independent contractors and owner-operators.

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More options, better fit

We compare multiple markets for your business.

Every trucking operation is different. We work to match your vehicle type, radius, cargo, experience and loss history with an appropriate insurance option.

Established carriers New-venture options Specialty and hard-to-place risks Risk retention groups
3 Licensed states
24/7 Online certificates
$500K Cargo limits available
Same day Quote options available
Pricing examples

Affordable options. Real value.

Starting-price examples shown below are for illustration only. Your actual premium depends on your operation and risk profile.

Physical Damage

Prices starting as low as

$ 110 /month
  • Instant quote options
  • Quick binding process
  • 24/7 certificates
  • Highly rated carriers
  • Towing and cleanup options
Get Started
Motor Truck Cargo

Prices starting as low as

$ 80 /month
  • Instant quote options
  • Quick binding process
  • 24/7 certificates
  • Highly rated carriers
  • Limits up to $500,000
Get Started

*Pricing examples are not guaranteed quotes. Rates vary based on driver history, location, vehicle, radius, cargo, limits, loss history and other underwriting factors.

Who we insure

Coverage for nearly every kind of commercial vehicle.

From long-haul tractors to local delivery vehicles, our team understands the insurance needs of transportation businesses.

Quote With Us
01

Dry Van, Flatbed & Reefer

Local and long-haul trucking operations, including eligible new ventures.

02

Auto Haulers & Hot Shots

Pickup trucks, tractors, trailers and higher cargo-limit requirements.

03

Sand, Gravel & Dump Trucks

Dump trucks, dump trailers, aggregate hauling and related operations.

04

Last-Mile Delivery

Door-to-door delivery, appliances, furniture and local distribution.

05

Hazmat Haulers

Specialized options for eligible hazardous-material transportation operations.

06

Hard-to-Place Risks

Options for more complex operations, prior losses and specialized coverage needs.

Policy services

The add-ons without the added headaches.

Get help satisfying shipper, broker, port, terminal and contractual insurance requirements.

01

Certificate Holders

Add interested parties to certificates and request updated evidence of insurance through the online portal.

Available online 24/7
02

Additional Insured

Add eligible individuals or organizations to qualifying policies when required by contract.

Individual or blanket options
03

Waiver of Subrogation

Add eligible waiver language when required by a written agreement or customer contract.

Individual or blanket options
04

UIIA

Assistance with insurance requirements connected to intermodal equipment and facility access.

Registered UIIA agents
05

Federal Filings

Electronic filings such as eligible BMC-91X filings to help satisfy federal financial responsibility requirements.

Electronic filing service
06

Towing & Cleanup

Optional coverage for eligible towing, debris removal and cleanup expenses after a covered loss.

Multiple limits available
Let us quote you today

Ready to protect your trucking business?

Quote online or call our office for immediate assistance at (305) 428-2005.

Frequently asked questions

Truck insurance questions, answered.

Need help with a quote, certificate or filing? Our insurance team is available Monday through Friday.

Need direct assistance? Speak with a truck insurance specialist. Call (305) 428-2005 →
How do I start a trucking company? +
Starting a trucking company may require business registration, vehicle registration, operating authority, insurance, DOT registration and other state or federal permits. Requirements depend on your operation and location.
How do I request a certificate of insurance? +
Certificates may be requested through the insured portal or by emailing coi@musasinsurance.com .
What are loss runs? +
Loss runs are reports showing claims and losses reported under prior insurance policies. Carriers often request them when reviewing an application or renewal.
What should I consider when buying truck insurance? +
Consider your required limits, deductibles, vehicle values, cargo, operating radius, filings, contractual requirements and payment terms. Many policies require a down payment, and prior coverage or loss runs may be requested.
Do you insure new trucking ventures? +
Yes. New-venture options may be available depending on driver history, vehicle type, cargo, radius, location and other underwriting requirements.
How long does MC authority take? +
Processing time can vary. Your authority will not become active until applicable FMCSA requirements, filings and waiting periods have been satisfied.

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