Providing Specialized Insurance Solutions for Medium to Large Fleets

Your Source For Reliable Trucking Insurance

Why Choose Transtar?

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Over 60 Years of Expertise

Transtar Insurance Brokers has been a trusted insurance partner for medium to large fleet owners for 60+ years. Our decades-long commitment to providing dependable solutions demonstrates our ability to serve the needs of businesses of all sizes in the transportation industry.

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Tailored Coverage for Your Needs

As trucking insurance experts, we provide a wide range of insurance coverage options to help you protect your assets. We'll tailor a plan to your fleet's specific requirements, including auto liability, motor truck cargo, occupational liability, non-trucking liability, claims management, cargo insurance, and more.

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Your Trusted Partner

Transtar Insurance Brokers USA is your go-to partner for navigating the complexities of insurance. With our industry expertise, we'll find the best solutions for your fleet's unique challenges.

Coverages offered

  • Auto Liability

  • Auto Physical Damage (Catastrophic and Over the Road)

  • Motor Truck Cargo / Shippers Interest

  • General Liability

  • Freight Brokers Liability

  • Workers Compensation

  • Excess / Umbrella

  • Executive Risk (D&O, EPLI, Crime, Fiduciary)

  • Property

  • Pollution

  • Owner Operator Coverages including Occupational Accident, Non-Trucking Liability / Bobtail, APD, etc…

  • And anything else you might need!

Customized Programs Tailored to Your Needs

Let our knowledgeable staff help build the right risk financing strategies that meet your needs at a price you can afford:

  • Guaranteed Cost Coverage

  • Small & Large Deductibles

  • Qualified Self-Insurance

  • Captive Structures

  • Basket Deductibles

  • Alternative Risk Strategies

  • Fronted Risks

  • Risk Retention Groups

  • Risk Purchasing Groups

Multiple Rating Options to Suit Your Requirements

We understand that every fleet is different. That's why we offer multiple options for rating,including:

  • Composite Rating

  • Mileage Rating

  • Mileage Reporting

  • Revenue Reporting

  • Scheduled Rating

  • Unit Rating

  • Vehicle Reporting

General Liability Insurance

General Liability Insurance (GL) protects large fleet owners beyond vehicle accidents. It covers risks like property damage and bodily injuries on your business premises or during operations. This coverage protects the premises, products, and operations beyond your auto liability, as well as personal injuries and medical payments within your policy limits. Choosing the right General Liability Insurance protects your business from the unpredictable trucking industry, giving you peace of mind.

Auto Liability

Transtar Insurance Brokers knows large fleet owners need simple, reliable auto liability insurance. How we can help:

Contingent Auto Liability: This coverage protects motor carriers from bankruptcy or primary insurance failure. The policy covers claims within its scope, protecting you from unexpected liabilities.

Truck Broker Liability Insurance: For freight broker operations, this more comprehensive option covers bodily injuries and property damage. It can be combined with General Liability for greater protection.

Primary auto liability insurance is available for direct coverage. This option covers a lot, but it's expensive if you need higher limits.

We tailor coverage limits to your needs, usually $1 million to $25 million. We'll help you understand your insurance policy so you can make informed decisions and run your fleet safely and efficiently.

Motor Truck Cargo

Motor Truck Cargo Insurance protects large fleets from loss, damage, or destruction of goods in transit. Carriers not transporting household goods are not required to carry cargo insurance, but it is important to protect your liability and the goods being transported. You should choose a policy that meets your needs, taking into account exclusions and deductibles. For-hire motor carriers usually cover up to $100,000, but this can vary depending on the goods and shippers' or brokers' needs. Keep client trust and business assets safe with this insurance.

Physical Damage

Large fleet owners need physical damage coverage to protect their vehicles from various incidents. This insurance has two main parts:

Collision coverage: This protects your vehicles from damage from collisions with other vehicles or objects.

Comprehensive Coverage: This option covers theft, fire, and other non-collision truck damages.

Both coverage types are essential, especially if your trucks are financed or have a lien holder, to protect your investment from many risks. Maintaining operational integrity and financial security requires physical damage coverage.

Occupational Accident Coverage

In the trucking industry, Occupational Accident Coverage (OCC/ACC) is a crucial kind of insurance for large fleet operators. By providing financial security in situations where employees might otherwise file claims under the motor carrier's worker's compensation policy, this coverage serves as a safety net. The motor carrier or the driver themselves can obtain it to ensure complete protection.

Non-Trucking Liability & Bobtail Insurance

Large fleet owners need non-trucking liability (NTL) and Bobtail insurance to cover property damage and bodily injury claims during non-commercial driving.

Non-Trucking Liability Insurance (NTL): The driver needs this insurance when the truck is not in service and is used for personal purposes. A commercial policy endorsement provides protection regardless of trailer attachment.

Bobtail insurance: This coverage applies to "bobtailing." when the truck is driven without a trailer. Bobtail insurance protects the tractor when not hauling a trailer, regardless of dispatch status.

Non-Trucking Liability and Bobtail Insurance are more than just legal requirements for trucking industry professionals, who face daily risks. They provide a safety net against unforeseen events.

Excess or Umbrella Insurance

Excess and umbrella insurance are vital for large fleet owners, providing an additional layer of liability protection that extends beyond the limits of primary insurance policies. These coverages are crucial in the trucking industry, where the potential for substantial financial losses can be high.

Excess Insurance: This coverage enhances the limits of an existing liability policy without altering the terms of the underlying coverage. It's activated when claims exceed the limits of the primary policy, ensuring that your business remains protected against large-scale financial liabilities.

Umbrella Insurance: Similar to excess insurance, umbrella insurance offers additional liability coverage but can also fill coverage gaps that might exist in primary policies. It provides broader protection against a range of liabilities that could potentially devastate a business.

Claims Management

Effective claims management is a cornerstone of our service, ensuring that your insurance claims are handled efficiently and effectively. Our skilled in-house claims advocates act as your dedicated liaison with insurance carriers because claims are often the largest part of your insurance expenses. Our team diligently manages and controls these costs, processing every claim correctly to avoid unnecessary expenses. We optimize claims to lower your insurance costs and boost your bottom line. Our commitment is to provide you with peace of mind, knowing that your claims are in expert hands, allowing you to focus more on running your business.

Get a quote

Ready to protect your medium to large fleet with customized insurance solutions? Fill out the form below for a personalized quote.

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5450 E. High Street, Suite 300
Phoenix, AZ 85054