Building Exclusive Insurance Programs — With You as the Owner

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Our Custom trucking program

As a National Program Administrator, EUM delivers a specialized Trucking Physical Damage and Motor Truck Cargo program designed for the modern hauler. We combine our robust MGU infrastructure with deep industry expertise to offer comprehensive coverage with no radius limits. Whether you operate local box trucks or long-haul semi-tractors, our program utilizes our national reach to support fleets of all sizes across the country without the restrictive boundaries found in standard policies.

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Broad Coverages

Our trucking program is built for flexibility and responsiveness. We understand that trucking operations vary wildly, which is why we offer coverage with absolutely no radius limits or minimums. Whether you are a local courier or a long-haul operator crossing state lines, our program adapts to your routes. We cover a broad spectrum of equipment, from semi-tractors and straight trucks to a variety of trailers.

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Why Choose Us

We offer specialized benefits that standard auto policies often overlook, tailored specifically for the trucking industry.

  • No Radius Limits: Freedom to operate locally or nationwide without penalty.

  • Comprehensive Cargo: Protection for general freight, oversize loads, and more.

  • Fast Turnaround: Quick quoting and binding to keep your business moving.

  • Broad Eligibility: Coverage for diverse fleet sizes and vehicle types.

Recent Client Wins

Demonstrating our ability to find unique, competitive solutions for trucking exposures.

Tailored Coverage Solutions: The bank had completed a repo on a trucking company’s assets and needed APD while the equipment sat to be sold off. We provided a competitive, pro-rated month-to-month policy with a higher deductible structure to accommodate the insured's unique timeline and coverage needs.

High-Value Fleet Quote: A trucking operation with 2 years in business and $1.3M in total insured values needed coverage. We bound this account with a highly competitive 4.2% rate, a graduate deductible structure, and a 10% no-claims bonus at the time of renewal—highlighting how EUM handles challenging exposures.

Same-Day Coverage Delivery: A trucking operation came to us needing coverage on the exact same day. Leveraging our fast-turnaround capabilities, we successfully delivered the same-date coverage the insured required, powerfully demonstrating our speed to market.

Approval for Unique Drivers: A trucking group with 7 trucks had a unique driver with only one year of U.S. CDL experience, but prior Canadian CDL-A experience. While other markets refused to consider this driver, EUM successfully approved them and offered a competitive quote.

How fast can I get a quote and bind coverage for my client?
We know speed wins accounts. Because we have in-house underwriting authority, we offer Same Day Quoting and same-day policy issuance with a bind request. Even better, our endorsement processing happens in hours, not days.
Will I be dealing with a portal or a real person?
Real people. We pride ourselves on giving our agents access to human underwriters who actively work with you to find solutions to bind business, especially on unique or hard-to-place risks.
Do you accept new ventures, or do you only write established fleets?
We write both! We accept new ventures and price them highly competitively, while also offering robust capacity and competitive pricing for large, established fleets.
What types of commodities and vehicle classes are eligible?
Our appetite is incredibly broad. We cover a wide spectrum of equipment (from semi-tractors and straight trucks to a variety of trailers) and broad commodities, including Amazon freight, intermodal, mobile homes, autos, gravel, and general freight.
Do you require scheduled forms, or do you offer reporting forms?
We are flexible to meet your client's specific needs. We offer both Scheduled and Reporting Forms depending on the size and operational style of the fleet.
Is EUM an MGA or a standard wholesaler?
EUM is a National Program Administrator and MGA. This is a massive advantage for our retail agents because we hold the pen—meaning we make the underwriting decisions in-house and we pay higher, more competitive commissions than standard wholesalers.
Who is backing the paper for this program?
Our program is backed by top-tier, A-Rated Carriers, utilizing both Domestic and Lloyds Markets to ensure rock-solid stability for your clients.

Ready to get started?

Get the coverage your fleet deserves. Contact us today for a quote on your trucking risks.

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