Liberty’s Trucking & Transportation Practice Group provides commercial auto, motor truck cargo, general liability, workers’ compensation, and excess liability coverage for for-hire motor carriers, owner-operators, freight brokers, and last-mile delivery fleets. The practice structures programs for long-haul, regional, and specialized or temperature-controlled operations, including non-trucking and contingent cargo liability for leased-on drivers and brokered freight. Coverage is placed across admitted and surplus lines markets as carrier capacity for trucking risk continues to tighten industry-wide.
Jury verdicts against motor carriers have moved into new territory. The median “nuclear verdict” in trucking litigation — an award of $10 million or more — now sits near $36 million, and awards exceeding $100 million are no longer isolated events. At the same time, admitted-market capacity for trucking risk keeps tightening, pushing more fleets toward surplus lines and higher self-insured retentions just to keep coverage in place.
A strategic partner doesn’t just place a policy and move on. It structures limits and layers around what a single loss could actually cost in today’s litigation environment, builds a program that holds up under a Compliance, Safety, Accountability (CSA) audit, and stays engaged on claims long after binding — because in this market, the gap between adequate coverage and a program built to survive a nuclear verdict shows up exactly once, at the worst possible time.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty works with businesses across the freight chain — from single-truck owner-operators and regional carriers to national fleets, freight brokers, and the logistics providers coordinating the loads between them.
Liberty structures trucking coverage around how freight actually moves — matching liability, cargo, and physical damage limits to lane type, equipment, and freight class, then layering excess capacity sized to today’s verdict environment rather than yesterday’s.
Liability and physical damage coverage for tractors, trailers, and company vehicles, from local delivery to long-haul.
Motor truck cargo and specialty coverage for temperature-controlled, high-value, and non-standard freight.
General liability, workers' compensation, and excess/umbrella limits sized to today's litigation environment.
Liberty is built around long-term carrier relationships rather than a single market’s appetite, which matters most when trucking capacity tightens and fleets need a broker who can still find a home for the risk. Our Trucking & Transportation practice leaders work directly with fleet owners and safety leadership year-round — not just at renewal — to keep programs positioned as carrier appetite and litigation trends shift.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
Practice leaders who structure programs specifically for motor carriers, brokers, and specialized freight operations — not generalist commercial lines.
Access to admitted and surplus lines carriers still actively writing trucking risk in a market where capacity keeps tightening.
Support building safety and compliance programs that hold up under a CSA audit and reduce exposure before a claim happens.
Telematics and loss-history analysis used to structure limits and retentions around your fleet's actual risk, not an industry average.
