Nuclear verdicts in trucking: $20M is the new $5M
Average jury awards in commercial trucking cases have moved up sharply. The umbrella limits that protected fleets a decade ago no longer do.
Read the piece
For motor carriers
Insurance for motor carriers.
Small and mid-sized fleets, intermodal and specialty haulers — shopped with your real CSA and telematics data.
TMS hacks, ELD intrusion and freight-broker fraud are now real losses for mid-size fleets. See our cyber cover for business
The real risk
The questions every
owner should ask.
FMCSA wants proof of MCS-90 — what is it and do we need it?
MCS-90 is a federal endorsement that guarantees payment for public liability up to your filed limit. If you're an interstate motor carrier hauling for hire, your auth depends on it. We file it directly with FMCSA.
Our auto rates jumped 40% at renewal. Is that just the market?
Partly. Nuclear-verdict trends have pushed every trucking auto rate up. But there's still meaningful spread between carriers — and your CSA scores, telematics data and driver file directly drive what you'll pay. We shop with that data, not without it.
A trailer of cargo was stolen in a yard. Is that covered?
Motor truck cargo covers theft, collision and named perils to freight in your custody. Yard and unattended-trailer language varies a lot between forms — we match the form to how you actually operate.
Someone hacked our TMS / dispatched a phantom load. Is that cyber or cargo?
It's both, and the answer matters. Freight-broker fraud, ELD/telematics intrusion and ransomware on the TMS are now real losses for mid-size fleets. We bind cyber sized to fleet operations alongside cargo — so the policies overlap where the loss actually lands, instead of leaving a gap.
Inside the cover
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Primary commercial auto liability
Liability and PIP/medical for power units and trailers, sized to the federal minimums or your contracted limit — and to the load classes you actually haul.
Learn about this coverMotor truck cargo & physical damage
Cover for freight in your custody and for the trucks and trailers themselves — collision, comprehensive, fire and theft, with cargo forms matched to how you load and stop.
Learn about this coverMCS-90 & federal filings
Federal MCS-90 endorsement and BMC-91/91X filings, handled directly with FMCSA so your operating authority stays clean.
Learn about this coverWorkers' comp, GL & umbrella
Statutory comp for drivers and yard staff, GL for terminals and yards, and excess limits to clear the higher requirements brokers and shippers are now demanding.
Learn about this cover Why Nomos
A broker that works
the whole market.
Trucking-specific markets
Most generalist brokers will only place trucking with one or two markets. We work with the specialty carriers and MGAs that price short-haul, long-haul, intermodal and specialty freight on their own merits.
Shop with your data, not without it
We submit with your CSA scores, telematics history, MVRs and loss runs packaged properly — which is the difference between an indication and a real, competitive quote.
Filings handled, not forgotten
MCS-90, BMC-91, state filings — we manage them directly so your authority and contracts stay in force.
How it works
From first call
to bound cover.
01
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
02
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
03
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Best fit
Who this is
built for.
Small and mid-sized fleets (5 – 100 power units)
For-hire interstate motor carriers
Intermodal, drayage and last-mile fleets
Specialty haulers — refrigerated, flatbed, tanker, auto-transport
Carriers running owner-operators under their auth
From field notes
What we're writing
on this.
Umbrella stacking: what it costs to go from $5M to $25M
Lender and customer contracts increasingly require $10M, $25M, even $50M of total liability. Here's what the real-world pricing looks like in 2026.
Read the piece
Get a quote
Trucking cover
priced on your data.
Tell us about your fleet and how you run. We'll package your submission properly and shop the specialty trucking markets that quote real, competitive numbers — not just an indication.
Primary auto and cargo from specialty carriers
MCS-90 and federal filings managed for you
Cyber for TMS, ELD and freight-broker fraud
Renewal strategy built around your CSA scores