Transportation Insurance, Benefits and Risk Advisory
HUB International works with transportation companies across every segment of the industry — from solo owner-operators to large fleets — as a transportation insurance broker connecting commercial lines, risk advisory, benefits and claims advocacy into programs designed to reduce total cost of risk.
Stay Ahead of Industry Challenges
Proactive programs that keep your fleet protected and moving forward
HUB Transportation Practice advisors have placed programs for commercial trucking fleets, owner-operators, last-mile delivery networks, auto dealers, moving and storage companies, bus operations and shared-economy platforms and have seen how CSA score deterioration, driver turnover and large jury verdicts and judgments compound in ways generic placements cannot address.
Top Risk Exposures
Risk Strategies & Solutions
Transportation exposures are connected and your risk program should reflect that
Standard commercial insurance treats a fleet's exposures as separate policies. Transportation companies operating in a hard auto market with tight excess capacity and an escalating frequency of large jury verdicts and judgments need programs where commercial lines, risk advisory, benefits and claims advocacy are coordinated — because the cost of risk is a function of all of them together.
Tailored Solutions for Your Industry
Commercial auto liability and physical damage are the foundation of any transportation program, but the structure of that foundation determines how the rest of the program performs. HUB's commercial lines advisors build programs across commercial trucking, last-mile delivery, auto and truck dealers, moving and storage, bus and charter, limousine and shared-economy platforms — each with coverage configurations drawn from their specific exposure profile. Specialty coverages including non-trucking liability, bobtail, garage liability, floor plan insurance, motor truck cargo and occupational accident for independent contractors — are placed as part of a coordinated program, not as standalone policies added after the fact.
For fleets where large jury verdicts and judgment are the primary risk driver, HUB provides structured excess capacity designed specifically for commercial transportation.
Fleet risk management is the mechanism through which CSA scores, claims frequency and renewal economics are actively managed rather than passively accepted. HUB's transportation risk advisory team provides safety program design, driver behavior monitoring, accident investigation and loss control consulting for fleets. HUB’s proprietary technology platforms integrate driver onboarding, compliance training and claims management into a single platform, connecting the compliance data that FMCSA monitors with the telematics and claims reporting that improves insurance outcomes.
Claims advocacy — from first notice of loss through resolution — is managed by a dedicated transportation claims team focused on mitigating large jury verdicts and judgments, reducing claims costs and speeding case closure.
Driver retention is a top-priority operational challenge for mid-market fleet operators, and benefits strategy is one of the most direct tools available for addressing it. HUB's employee benefits advisors build health, wellbeing and voluntary benefits programs tailored to transportation workforces — including Affordable Care Act (ACA) compliance strategies for large carrier operations and occupational accident solutions for independent contractors who fall outside the workers' compensation system.
For fleets competing against larger carriers on compensation and benefits, differentiated offerings in health, behavioral health and voluntary benefits create retention advantages that show up in lower turnover rates, reduced training costs and measurable claims frequency improvement.
Transportation businesses face persistent workforce challenges that extend well beyond insurance coverage — from driver recruitment and retention to health, wellness and retirement strategies that support a more stable, engaged workforce. HUB helps transportation companies build HR and benefits programs aligned to the realities of the industry, with solutions designed to protect employees, strengthen retention and support business continuity. By pairing transportation-specific risk expertise with employee benefits guidance, HUB helps fleet operators and other transportation businesses develop workforce strategies that improve the employee experience while supporting operational performance.
HUB's retirement services advisors work with transportation business owners on 401(k) plan design that reflects the operational and financial realities of fleet-dependent businesses. Owner-operators and independent contractors — whose occupational accident coverage replaces the workers' compensation safety net — also benefit from financial planning advisory that addresses the absence of employer-sponsored retirement contributions. Building on this foundation, those same advisors guide owners through executive benefits and business succession planning, ensuring the long-term future of the business is mapped out alongside the day-to-day demands of running a fleet.
HUB's Impact
See what your transportation program can deliver
Transportation programs earn their value at claim time, at renewal and at the point where regulatory exposure becomes business exposure. HUB's track record reflects program performance in hard market conditions — from nuclear verdict mitigation to compliance resolution to technology-enabled safety improvement.
Case Studies
Industry Insights
Transportation insights and research
Frequently asked questions
Dive Deeper into Your Industry
Transportation companies choose HUB because commercial lines, risk advisory, employee benefits and claims advocacy are coordinated into one program that actively reduces total cost of risk, not managed as separate policies that leave cost of risk to chance. That coordination, backed by advisors dedicated to specific fleet types, is what generalist brokers cannot replicate.
HUB's transportation practice serves 24,000 clients and manages 58,000 insurance policies, representing $2.1 billion in brokered premium, across commercial trucking, owner-operators, last-mile delivery, auto and truck dealers, moving and storage, bus operations and shared-economy platforms. That scale allows advisors to specialize by fleet type rather than treat transportation as a secondary practice.
The advantage shows up in the numbers that matter beyond premium — retained losses, driver downtime, cargo replacement and claims costs, which often exceed the premium line itself for fleets with elevated turnover or nuclear verdict exposure. HUB's advisors connect safety performance, compliance management and claims advocacy into one strategy, using digital tools that link driver onboarding, compliance training and claims reporting with hands-on claims advocacy from first notice of loss through resolution. That combination is what moves cost of risk per mile, a level of coordination most fleets don't get from a broker managing their program as separate line items.
HUB approaches nuclear verdict exposure by combining structured excess liability capacity built specifically for commercial transportation with documented safety and compliance improvement, so fleets enter renewal from a position of evidence rather than explanation. That combination is what separates a defensible renewal from a difficult one in a tightening excess market.
Jury awards of $10 million or more are no longer rare events in commercial trucking, and excess and umbrella capacity has tightened at the same time standard limits are most likely to fall short. Fleets that treat this as a one-time coverage purchase often find fewer markets willing to quote adequate limits. Fleets that pair coverage with a documented safety record have more options.
Many brokers stop at the placement, securing the excess layer and revisiting it at the next renewal. HUB's transportation advisors build that record proactively, using compliance and safety improvement data alongside structured excess placements to give underwriters a fuller picture of the risk. Instead of presenting a renewal as a request for capacity, advisors present it as evidence of a program actively managing the exposure that is driving verdict frequency in the first place.
Yes. HUB's transportation advisors are organized by fleet type and size, not by a single generalist model, which means an independent owner-operator and a 500-truck fleet each work with an advisor experienced in their specific exposure profile and market.
The practice's client base reflects that range: more than 8,300 commercial trucking clients, 2,700 auto and truck dealer clients and thousands more across last-mile delivery, moving and storage, bus operations and shared-economy platforms, spanning middle-market fleets of 15 to 150 units through upstream fleets of more than 1,500 units. Coverage needs, carrier relationships and compliance obligations differ meaningfully across that range, and HUB's advisor structure is built around those differences rather than a one-size approach.
This matters most as organizations grow. Fleets that outgrow the personalized service of a small regional agency, or that feel like one account among thousands at a global broker, often find a gap in the middle. HUB's structure is designed to close that gap, so the advisor relationship holds steady whether an organization is adding its second truck or its two-hundredth.
HUB supports cross-border transportation operations through coordinated coverage and compliance guidance across all three countries, built on strong North American partnerships that give clients access to specialty markets and regulatory expertise in each jurisdiction, a combination few middle market brokers assemble under one relationship. That coordination is what allows a single advisor to manage a program that would otherwise require three separate ones.
Standard U.S. commercial truck insurance does not extend into Mexico, and Canadian operations are governed by National Safety Code standards rather than U.S. Federal Motor Carrier Safety Administration requirements, so a broker without experience in all three regulatory environments can leave real gaps. HUB's advisors understand Canadian Vehicle Operators Registration requirements, provincial-level enforcement and the commercial auto endorsements cross-border freight requires.
HUB also has partnership relationships that extend into Mexico, so clients moving freight across North America gain access to end-to-end insurance, risk and compliance support, along with referrals to legal professionals in each country. For organizations navigating tariff-driven cargo liability questions or driver classification issues across borders, that coordinated structure is a capability most mid-market brokers cannot offer from a single relationship.
