Business auto & service fleets
Vehicles moving employees, equipment or the business’s own goods.
Transportation & Logistics insurance · For brokers
Keep the whole operation in view.
Business fleets and for-hire trucking need different placement approaches. Start with the vehicles, drivers, routes and cargo that define the account.
Fleets · Delivery · Cargo
Available Products
Explore coverage options for the account’s operations, people, property and contractual needs.
Core Offerings
- Commercial Auto
- Motor Truck Cargo
- Physical Damage
Supporting Lines
- Excess & Umbrella
- Freight Broker / Freight Forwarder Surety Bond (BMC-84)
- General Liability
- Inland Marine / Equipment
- Workers’ Compensation
Availability varies by operation, state and underwriting review. Products may be placed separately or together, depending on the account and market.
Different operations.
Different paths to placement.
For-hire trucking
Explain hauling operations, commodities, radius and transportation responsibilities.
Delivery operations
Describe goods delivered, vehicle use and delivery radius.
Specialty transportation
Describe passenger, unusual-vehicle or logistics operations for individual review.
Availability varies by operation, state and underwriting review.
More account and underwriting detail
Operations considered
- Business vehicles / service fleets
- Selected delivery and contractor operations
- For-hire trucking
- Owner-operators
- Small fleets
- Selected new ventures
- Specialty trucking
- Passenger transportation subject to review
Flag for closer review
- Fleet growth
- Filings / interstate operations
- Driver history
- Specialized commodities
- Towing / specialty operations
- Hard-to-place transportation
Business Auto
Business vehicles, service fleets and selected delivery or contractor operations require an accurate description of use and garaging.
Trucking
For-hire trucking, owner-operators, small fleets and specialized operations follow different underwriting paths.
Cargo
Identify goods carried for others, values, contracts and refrigeration or reefer-breakdown needs.
Growing Fleets
Fleet size, growth, operating stability and driver selection affect the appropriate underwriting path.
Hard-to-Place Transportation
Some operations outside standard commercial-auto programs may have specialty-market paths. Placement remains subject to current market and account review.
Specialty transportation
For-hire trucking, small fleets, new ventures, towing and passenger operations are exposure paths rather than standalone insurance coverages.
Operation and use
Identify the business class and whether vehicles carry your own goods or operate for hire.
Fleet and vehicles
Provide fleet size, vehicle types, GVW and expected growth.
Drivers and safety
Explain driver experience and selection, maintenance and safety practices.
Radius and commodities
Describe operating territory, typical and maximum radius, commodities and percentage mix.
Authority and insurance
Provide USDOT/operating authority details, required filings and current or prior insurance.
Losses and growth
Explain loss experience, corrective action and how fleet growth is managed.
See the whole account.
Vehicles & the road
Business auto & trucking
Distinct placement paths for service fleets, delivery operations and eligible for-hire trucking.
Primary liability
Selected trucking programs offer primary liability limits up to $2 million, subject to program and state.
Physical damage
Review scheduled vehicle values, use, garaging and deductibles with the vehicle placement.
Cargo & operating responsibilities
Motor truck cargo
Options for eligible commodities, including refrigeration exposures where offered.
Related liability
Review general liability, hired auto and non-trucking liability when applicable to the operation.
Fleet support
Provide vehicle and driver schedules, authority, filings and loss history for the selected program.
The placement desk
The route is only part of the picture.
Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Discuss the details ↗A stronger submission starts here.
Start with what you have. We’ll identify what else is needed.
The account
- Named insured & effective date
- Operations & states of work
- Vehicle & driver schedules through secure intake
- Garaging, radius, routes & commodities
- Cargo values, authority & filings as applicable
The supporting detail
- Completed ACORD applications
- Required supplemental applications
- Currently valued loss runs
Provide driver identifiers only through the designated secure document workflow, never in links or analytics.
Additional preparation by coverage and operation
Start with these
- Named insured / entity
- Requested effective date
- Requested limits
- Business / transportation operation
- Garaging address
- Operating radius
- States of operation
- Vehicle count
- Driver count
- Current / prior insurance
- Currently valued loss information
Vehicle schedule
- VIN
- year
- make
- model
- vehicle type
- GVW
- stated value where Physical Damage is requested
- ownership / lease status
- garaging location
- radius / use
Driver schedule
- driver name
- license state
- license class / CDL status where applicable
- date of hire
- commercial-driving experience
Add when trucking / for-hire
- USDOT number
- MC / operating authority where applicable
- SAFER profile
- commodities and percentage mix
- annual mileage
- revenue
- typical and maximum radius
- interstate / intrastate status
- IFTA / IRP information where applicable
- three years of currently valued loss runs where available
- current MVRs for drivers where required
- owner-operator agreement where owner-operators are used
- cargo limit
- cargo deductible
- reefer-breakdown coverage request where applicable
- representative transportation contracts / BOL information where required
- filings required
- expiring / target premium where available
Placement notes
Complete both schedules
Match vehicle and driver counts to complete schedules. Share sensitive identifiers only through secure intake.
Verify operating authority
Check USDOT, operating authority, filings and interstate status against the current operation.
Explain radius, commodities and losses
Include typical and maximum radius, commodity mix and a clear explanation of significant claims and corrective actions.
Use the designated secure document flow for sensitive driver identifiers. Do not put them in email, URLs or public uploads.
Applications & guides
Prepare the right details.
Confirm carrier supplements, ACORD editions and loss-run periods for the selected program. Blank ACORD and carrier forms are not distributed here.
Browse 7 coverage preparation guides
View guide: Commercial Auto
Commercial Auto · reference guide
Transportation & Logistics · Public preparation guide
Commercial Auto
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Physical Damage
Physical Damage · reference guide
Transportation & Logistics · Public preparation guide
Physical Damage
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Motor Truck Cargo
Motor Truck Cargo · reference guide
Transportation & Logistics · Public preparation guide
Motor Truck Cargo
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Inland Marine / Equipment
Inland Marine / Equipment · reference guide
Transportation & Logistics · Public preparation guide
Inland Marine / Equipment
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Workers’ Compensation
Workers’ Compensation · reference guide
Transportation & Logistics · Public preparation guide
Workers’ Compensation
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: General Liability
General Liability · reference guide
Transportation & Logistics · Public preparation guide
General Liability
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
View guide: Excess & Umbrella
Excess & Umbrella · reference guide
Transportation & Logistics · Public preparation guide
Excess & Umbrella
Reviewed 2026-09-28 · Review through 2026-12-28 · Revision 1
At a glance
- Territory
- Confirm with underwriting
- Submission route
- Manual review
Values & exposures
- Vehicle count, types and values (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Typical and maximum radius (miles)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Commodities and maximum cargo value (USD)
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
- Garaging, routes, operating authority and driver experience
- Confirm with underwriting
- Provide account details; program thresholds require confirmation.
What fits / What needs review
- Business auto & service fleets
- For-hire trucking
- Delivery operations
- Specialty transportation
- Distinguish owned goods from for-hire operations. Describe typical and maximum radius, commodities, loading responsibilities and applicable authority or filings. Safety technology benefits require program-specific confirmation.
Applications & documents
- Completed ACORD applications
Confirm the selected program’s forms, history period and valuation age.
- Required supplemental applications
Confirm the selected program’s forms, history period and valuation age.
- Currently valued loss runs
Confirm the selected program’s forms, history period and valuation age.
Open Osprey Transportation & Logistics preparation worksheet →
The worksheet supplements your preparation. An insurer’s own supplemental, signed application and declarations may still be required.
Submission route
The Quote Requests portal accepts the account for manual review. Online rating is not offered by this guide.
Preparation guidance, not an eligibility decision, account quote or coverage confirmation. Confirm applicable terms and required forms with underwriting.
Osprey approved editorial guidance · 28 September 2026
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