For-hire trucking is one of the most specialized insurance markets there is — commodity hauled, operating radius, FMCSA authority, cargo limits, and driver history all shape your program. Mangold builds trucking programs around how your operation actually runs, with 100+ carriers and a commercial team that understands transportation risk.
The for-hire trucking market is one of the most underwriting-sensitive lines in commercial insurance. What you haul, where you run, how long you've been in business, your drivers' MVRs, and your loss history all affect which carriers will write you and at what price. A generic commercial auto policy isn't built for a for-hire carrier — and the wrong program shows up at claim time.
Whether you're an owner-operator running under your own authority or a fleet managing multiple units and drivers, Mangold builds your program from scratch — understanding your specific operation before we go to market. We work with carriers that specialize in for-hire trucking and have the appetite for Wisconsin and Illinois operations.
No obligation. We review your current program and shop 100+ carriers.
For-hire trucking requires several coverage lines working together. We build the full program — not just the piece that's easiest to place.
The core of every trucking program — required by FMCSA for interstate for-hire carriers at $750,000 minimum, with higher limits for hazmat and passenger operations. We make sure your limits meet federal requirements and match your actual exposure.
Covers the freight you're hauling while it's in your care, custody, and control. Cargo claims are one of the most common trucking losses — and the commodity hauled determines the rate and exclusions.
Collision and comprehensive coverage for your truck and trailer — at agreed value or actual cash value. For owner-operators, this is often required by the lender if the unit is financed.
Non-trucking liability, premises liability, and operations coverage beyond your primary auto. Often required by shippers and brokers in addition to primary auto.
For owner-operators who don't qualify for or choose not to carry workers' comp — occupational accident coverage provides medical and disability benefits for on-the-job injuries.
BMC-91 (liability) and BMC-34 (cargo) filings are required to maintain FMCSA operating authority. We handle the filings directly with the FMCSA as part of your program.
Owner-operators have specific coverage needs that differ from fleets — and specific challenges in the current trucking insurance market.
You need primary auto liability, cargo, physical damage, and general liability — plus FMCSA filings to maintain your authority. We build the complete program and handle the filings so you can focus on driving.
When you're leased to a carrier, their insurance covers you while under dispatch — but not when you're booting (deadheading without a load). Non-trucking liability covers the gap. We make sure you're protected in both situations.
New authority is one of the hardest segments to place in the current market — many carriers won't write operators with less than 2 years under their own authority. We have relationships with carriers who specialize in new authority and can get you the coverage you need to run.
Owner-operator or fleet — our commercial lines team understands for-hire transportation risk and has the carrier relationships to place it correctly.