Transportation Industry Insurance
Transportation Industry Insurance and Risk Management
Here in Pennsylvania, transportation is in our blood. We started as a river and railway hub until the auto and truck industries took root. The nation’s first drive-in gas station opened in 1913 in neighboring Pittsburgh. The pioneering Mack Brothers developed the modern trucking industry from their headquarters in Allentown. Through all these changing times and technologies, Gilbert’s Risk Solutions has been a partner to the commercial transportation industry in its many forms.
We’ve worked with second- and third-generation transportation firms ranging from interstate cargo carriers to family-owned long-haul and short-haul truckers, automobile fleets, charter buses, tow trucks, municipal transit authorities, and more. If it’s commercial and it’s on wheels, we’ve helped protect it.
Risks Facing the Transportation Industry
Transportation businesses face a distinct mix of exposures: accident liability, cargo loss, driver safety concerns, and a heavy regulatory compliance burden. Some coverage is federally or state-mandated — such as liability insurance and workers’ compensation — while other coverage is optional based on your firm’s particular risks.
FMCSA and PA Compliance Requirements
We know the regulatory and compliance landscape inside and out — FMCSA, DOT, OSHA, and state authorities — as well as the importance of hiring practices, background checks, testing, and driver safety training.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Transportation Industry Insurance Coverage
Smaller firms may benefit from a package of policies, such as a Business Owners Policy (BOP), while larger firms might require a broad mix of custom coverage. We work with more than 100 premier insurance companies to find the best coverage for your needs.
Common Types of Transportation Insurance:
- Commercial Auto (including DOT Filings, MCS-90 Filings, Overweight/Load Specific Filings)
- Commercial General Liability
- Property
- Inland Marine
- Workers’ Compensation
- Equipment Breakdown
- Motor Truck Cargo Insurance
- Pollution Coverage
- Non-Trucking Liability
- Garage & Garage Keeper Liability
- Towing Insurance
Our Goal Is to Be Your Outsourced Risk Management Partner
Fleet operators know there’s always something that can go wrong — a delayed shipment, a driver safety incident, a cargo claim. We offer much more than just the financial insurance product: we understand the industry’s most pressing exposures and help you manage risk from every angle.
Controlling Costs
We help you anticipate risks and control losses through best practices — hiring safe drivers, implementing background checks, offering driver safety training, and establishing DOT-mandated drug testing programs. We also help you establish reporting and filing expectations should accidents occur, and work with you to mitigate exposures like cargo theft or hazardous cargo.
360 Degree Approach
We take a 360-degree approach to our clients’ risk. Our team of experts in Loss Control, Claims, Workers’ Compensation, HR, Employee Benefits, and training are all available to our clients — helpful if you need to establish a best-practice hiring process or policies.
Our RISK SHIELD® Process
Insurance helps insulate you financially from loss, but financing your risk is only one piece of a comprehensive risk management program. We start with our proprietary RISK SHIELD® Process, getting to know your business and the factors affecting your rates, then offer a risk mitigation plan alongside insurance options tailored to your unique needs.
CONSULT
DESIGN
BUILDING
MAINTAIN
Transportation Industry Insurance FAQs
Commercial trucking businesses typically need liability insurance and workers' compensation at minimum, with additional coverage requirements varying based on vehicle weight, cargo type, and interstate operations.
Motor truck cargo insurance covers loss or damage to freight while it's being transported, protecting your business from liability for goods in transit.
Bobtail liability covers a truck tractor operating without a trailer attached — a gap standard policies often miss. If your drivers ever drive without a load, this coverage is worth discussing with your advisor.
Pricing depends on factors like fleet size, driver records, cargo type, mileage, and safety programs in place — we'll help identify the best rate from our 100+ carrier partners.
Standard commercial auto insurance often doesn't address industry-specific exposures like cargo loss, FMCSA compliance, or specialized equipment — transportation industry coverage fills those gaps.
